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PUBLIC DOCUMENT No. 9. 



TWENTY-EIGHTH ANNUAL REPORT 



OP THE 



Insurance Commissioner 



OF THE 



dfommantoedtjj of Passatlwsttis- 



January 1, 1883. 



Part II 
Life, Casualty and Accident Insurance, 



BOSTON: 

WRIGHT & POTTER PRINTING CO., STATE PRINTERS 

No, 18 Post Office Square. 

1883, 



■JOUSE BC 



112 Y\i 
ft 



TABLE OF CONTENTS. 



[For Index to Companies, see end of Volume.] 



COMMISSIONER'S REPORT. 

Page 

Introductory, v-xviii 

Statistical Tabulations, Ratios, etc. (Regular Life), . . . xix-xxxv 
Table A. — Summary of Income, Expenditures, Assets, Liabilities, 

etc., xx 

Table B. — Ratio of Net Assets to Computed Premium Reserve, . xxii 
Table C. — Ratio of Real Estate and other Investments to Gross 

Assets, . """ xxiv 

TableD. — Policies Issued, Terminated, and Gained in 1882, . . xxvi 

Tablh E. — Classification of Policies and Insurance in Force, . . xxviii 

Table F. — Claims by Death in 1882, with Ratios, etc., . . . xxx 

Table G. — Ratio of Expenses to Mean Amount Insured, . . . xxxii 

Table H. — Massachusetts Business, 1882, xxxiv 

DETAILED STATEMENTS. 

Massachusetts Life Insurance Companies, 1-27 

Life Insurance Companies or other States , 29-134 

Accident and Casualty Insurance Companies, .... 135-153 

Mutual Aid and other Beneficiary Associations, . . . 155-238 

Statistical Tabulations (Co-operative), 239-246 

Life and Accident Companies of other States, with Amount 

of Business done by Each, 247-253 

List of Agents and Sub-Agents authorized to act for Life and 

Accident Companies, . . . 255-262 



(JTommonrocaltl) of ittassacljusette. 



Insurance Department, Boston, June, 1883. 

To the Honorable the Senate and House of Representatives : 

Herewith is submitted Part II. of the Twenty-eighth 
Annual Report of the Insurance Department, for the year 
1882, covering the ordinary statistics of the financial condi- 
tion and transactions of Life and Casualty Insurance Com- 
panies authorized in this Commonwealth, together with the 
statements of corporations doing insurance business, not 
subject to the general insurance laws, and other related 
matters. 

The late date of the usual annual appearance of this re- 
port has provoked criticism and complaint. This year it will 
be in the hands of the public somewhat earlier in season than 
its recent predecessors. That the information it contains 
from year to year should be given the public as early as prac- 
ticable, is of manifest importance to its usefulness ; and any 
delay beyond the period indispensable for its preparation 
would well justify complaint. The statements of the com- 
panies from which the report is mainly compiled, are due by 
law to be filed with the Commissioner not later than Febru- 
ary 1st, of each year. The yearly valuation (as of the pre- 
ceding 31st of December) of the policies previously reported 
can readily be made prior to the coming in of the annual 
returns, and such has been the custom ; but the labor of 
valuing the policies issued within the year, and marking off 
from the old schedules the terminated policies, and the ex- 
aminations, comparisons and tabulations, can only be done 
after the statements come to the possession of the office. 
Whatever may be within the ability of the department to 
do, to expedite the publication, another year, shall be done. 



vi EEPOET OF THE 

Under its present administration this office will observe its 
function as prescribed by the statutes denning its duties and 
conferring its authority. All insurers, domestic and foreign, 
who conform in good faith to the laws, are entitled to and 
shall have equal consideration — even justice, without favor. 
Fair play to these competitors demands that they be allowed 
to challenge the judgment of the public upon their merits 
unprejudiced by expressions of official approbation or dis- 
pleasure. The Commissioner fulfils both his duty and his 
authority, in this behalf, when he makes his official exhibit 
of the business conduct and financial condition of the com- 
panies. Furthermore, I deem it of grave concern to the 
influence and usefulness of the department that no suspicion 
of favoritism, well or ill-founded, shall attach to its adminis- 
tration. 

That scheme of insurance, known as the Tontine, as 
recently practised by insurance companies, is reprobated 
by the policy of our legislation. Insurance corporations, 
chartered under Massachusetts laws, are prohibited to 
insure on that plan. Confessedly, it is a departure from 
the original idea of life insurance, which contemplates a 
benevolent provision for the families of the dead assured, 
while this device anticipates profits and benefits to the sur- 
vivors at the expense of the natural beneficiaries of those 
who die. Baldly stated, in the language of a craft to which 
it bears a resemblance, a class of policy-holders form a pool 
into which is put the forfeits of such as allow their policies 
to lapse for any cause, and also the dividends upon accumu- 
lations of surplus due on account of the policies of those who 
die within the term. When the tontine period expires the 
pool so made is divided among the survivors who have kept 
their policies in force. This procedure invites the attention 
of the legislator and moralist. But as the law, while pro- 
hibiting domestic companies, permits foreign authorized com- 
panies to do this class of insurance; and the legislature, 
though earnestly entreated, after much advisement has re- 
fused to compel foreign companies to write a non-forfeiture 
clause in their Massachusetts policies as our home companies 
must ; and as the Commissioner is simply the servant of the 
State to administer, within his province, its policy as written 



INSURANCE COMMISSIONER. vii 

in its laws, I have no official opinion in the premises. I, 
however, confess my inability to reconcile with consistency, 
a policy of state which interdicts to a domestic company 
that which its foreign rival is licensed to. do within the juris- 
diction, or which imposes upon the one an obligation, as- 
sumed to be called for by considerations of morality and 
equity, which is not imposed upon the other. If mis- 
chievous, why permit it to any, thus countenancing a vice? 
If worthy or harmless, why prohibit it to any, thus unjustly 
vexing the freedom of commerce ? 

The bill recently rejected by the legislature proposed to 
require of foreign companies to write in their insurance con- 
tract the ?ame provision as to policies lapsed by non-pay- 
ment of premium, as Massachusetts companies are compelled 
to write. My information is that the influence of the foreign 
companies and, in a greater or less degree, of the home 
companies, was hostile to the measure. Whence I infer that 
the former consider it to their advantage not to qualify their 
obligation to their policy-holders in such a manner, while the 
latter consider that in their entire field of operations they 
derive a benefit from the limited provision, sufficient, at 
least, to compensate any injury they may suffer from the 
superior privilege allowed their rivals. Were the interest 
of the companies alone involved, these considerations might 
be conclusive of the inexpediency of such legislation. But 
as I apprehend the legislative purpose, embodied in the 
several statutes relating to further insurance, the payment of 
surrender values, and equitable paid-up policies, in cases of 
lapse by non-payment of premiums, the end sought has been 
and is, the protection of policy-holders from the injustice of 
absolute forfeiture of accrued values, as liquidated damages 
for breach of an inequitable contract. And the question 
seems justly to resolve itself into the simple contention 
whether the State ought to interpose its authority to preserve 
the equities of its citizens who contract with foreign com- 
panies, the same as it protects the equitable rights of its 
citizens in contracts with home companies. No one chal- 
lenges the jurisdiction of the State to do so, and a law of 
equal application could not justify any complaint of commer- 
cial inhospitality in our relations with other States. What 



viii REPORT OF THE 

the reasons were which urged the judgment of the legisla- 
ture to the opposite conclusion, I am not aware. As the 
matter now rests, the Massachusetts policy-holders of foreign 
and of domestic companies stand unequal in their rights be- 
fore the law, and Massachusetts discriminates in the legal 
protection she gives to different classes of her peopley 
Practically, the mischief may cure itself, without legal con- 
straint. The insurance contract which preserves to the 
holder the equitable value of his policy, is the juster one ; 
and insurers who write such contracts are likely to win favor 
over those who do not, in the rivalry for patronage, as the 
popular intelligence comes to be better instructed in the 
matter. Self-interest may compel the equity by voluntary 
concession which the law neglects to enforce. Certain 
foreign companies have sagaciously adopted a form of policy 
that saves equitable rights from the rigor of forfeiture. 

The legislation embodied in chapter 115 of the Public 
Statutes, which re-enacts earlier statutes, has given rise to 
numerous corporate bodies, described variously as mutual aid, 
beneficiary and co-operative, diverse in character, methods 
and merit, which do an insurance business. Certain of these 
in their plan, make an attempt towards equity in the con- 
tract, by grading the amount of admission fees and assess- 
ments in some imperfect proportion to the ages and life 
probabilities of their members, while others levy assessments 
equally without discrimination as to age or physical condi- 
tion. Few T , if any, pursue a plan approved by the standards 
of scientific insurance, or sound business maxims. That 
many of these are outside the contemplation and spirit of the 
statute, whether justified by its letter or not, seems apparent, 
and I doubt if the business of some is within any possible 
construction of their corporate privilege. The title of the 
chapter, and the specifications made in section 2, indicate 
clearly the character of the associations authorized, as con- 
nected with the interests of religion, education, benevolence, 
temperance, and artistic, fraternal, scientific or physical cul- 
ture. Does the statute contemplate the formation of purely 
business corporations having no relation to the objects it 
specifies ? 

My predecessor, in several reports to the legislature, has 



INSURANCE COMMISSIONER. ix 

discussed these associations and their proper relations to the 
public, somewhat at large. The only duty or authority 
imposed or conferred upon the Commissioner in respect to 
them, is to require them to return annual statements of their 
affairs (which he must include in his report to the legisla- 
ture), and to verify the statements, if need be, by personal 
investigation. What the Commissioner is to do in case they 
make false returns, or no returns, or are guilty of other 
fault, is not defined by the statute. As the legislature has 
excepted these corporations from the operation of the insur- 
ance laws, and left them practically free from civil restraint 
in their enterprises, I, perhaps, should fully acquit my official 
trust in submitting the summarized report of their annual 
statements, with such other information as this office has. 
Some suggestive mention, however, may not be imperti- 
nent. 

Considered as a matter of business, that system or plan of 
life insurance is alone entirely just and equal under which 
the contract is fairly proportioned to the relative risks taken, 
and adequate provision is made to secure its performance, 
based upon a scientific estimate of life probabilities. To 
hold the ordinary business of such insurance within these 
safe boundaries, is the wise policy of our laws. But the 
liberty of the citizen to make and be bound by such contract 
as he pleases, not immoral, and entered into without duress 
or imposition, is cherished by all free government, and is 
infringed in enlightened states only upon grave considera- 
tions of policy to assure the public safety, or shield the 
individual from the devices of fraud and oppression. If a 
number of persons, of different ages and conditions of phys- 
ical health, choose to associate under a compact that the 
survivors shall contribute equally for the benefit of the 
families of those who die, why should government interpose 
its ban ? The later survivors — for such associations cannot 
be eternal — will find their temporary insurance costly, and 
their families will derive no benefit. But they will have had 
their temporary insurance, such as it was, — they will have 
contributed to a gracious charity, — the strong will have 
aided the weak, and the fortunate comforted misfortune. 
Viewed as a business transaction the contract is unequal, 



x EEPORT OF THE 

and, therefore, on the part of those who take the fewer 
chances in the game, improvident ; and for all, as simple 
insurance, it is poor and unsatisfactory, since the existence of 
the association and its power to enforce the mutual contract, 
are both uncertain and without guaranty. Yet, if intelligently 
assumed, without imposition, I discover no valid reason 
why the individual should not be free to make it. The 
Commonwealth is not a parent to its citizens, nor are they 
wards of the government. It certainly will not discourage 
the spirit or practice of benevolence in any reasonable mode 
of human helpfulness. 

Clearly, however, it is a proper function of the state to 
protect the weak and confiding, against the dishonesty and 
artifice of the designing and crafty ; and the government 
may and ought to assert its jurisdiction to prohibit prac- 
tices, under whatever mask, opposed to good morals, or cal- 
culated and employed to entrap the unwary to their hurt. 

If the policy which subjects corporations formed or author- 
ized under chapter 119, engaged in life insurance, to legal 
control and regulation, be expedient and wise and demanded 
for the public protection, why for equal reason should not cor- 
porations organized under chapter 115, which do life insurance 
business and nothing else, employing salaried officers to man- 
age their affairs, and paid agents to solicit general patronage, in 
all particulars as regular insurance companies do, be subjected 
to reasonable legal control and supervision, adapted to their 
form and character, and the nature of their transactions? 
Can that be esteemed proper in the one by the same authority 
which prohibits it as venal in the other ? If the public needs 
protection in the one case, through the surveillance of judi- 
cious laws, does it not need protection in the other case as 
well? 

To illustrate the manner and degree in which the privilege 
of the statute has been availed of for purposes foreign to its 
intent, I cite examples. The Fraternal Aid Association of 
Worcester is a corporation by grace of the statute. It in- 
sures on the "club " plan which its circular explains thus : — 

" Six or more persons of acceptable ages constitute a club. On 
the death of a member of the club the benefit is to be paid to the 
widow or heirs of the deceased and the surviving members of the 



INSURANCE COMMISSIONER. xi 

club who shall have kept their certificates in force to that time. 
After the death of the last member of the club the whole benefit is 
to be paid to his widow, heirs or assigns." 

The briefest analysis exposes the iniquity of this scheme. 
Suppose the club to consist of six, with an aggregate insur- 
ance of $18,000. When the first death occurs $3,000 is 
distributed, of which the widow or heirs of the deceased 
member get $500 only, and the club survivors get an equal 
sum each. Such widow or heirs have no share in future dis- 
tributions. The subsequent distributions as deaths occur 
are on a like basis. The whole division will be as fol- 
lows : — 

To the first decedent's widow or heirs, $500 ; to the second, 
$500, and his widow or heirs, $600 ; to the third, $1,100, and 
his widow or heirs, $750 ; to the fourth, $1,850, and his widow 
or heirs, $1,000 ; to the fifth $2,850, and his widow or heirs, 
$1,500 : while the last survivor, the winner of the chief 
prize in the death raffle, gets $4,350 in his lifetime, and his 
widow or heirs get a full $3,000 benefit. 

To call this " insurance," is foul slander of a good name. 
Gambling is its proper designation ; and gambling of the 
worst sort, with human lives for dice. Fraud and murder 
are its natural offsprings, and both have been born to it else- 
where. Other associations, I am advised, operate by a 
similar method. I am aware that gambling in thin disguises 
passes for orthodox in very respectable civil affairs by sanc- 
tion of holy church and under charity's mantle, as well 
as by accepted usage of stock markets and trade specula- 
tions ; but popular sentiment and public law, I trust, retain 
enough of old-fashioned virtue to fix its limits somewhere 
short of absolute license. Another association which en- 
dorses itself to popular confidence as " incorporated under 
the laws of Massachusetts," and assumes for itself a character 
therefrom, announces its scheme to be " to pay to the wife, 
children or other dependents of any member, a sum of money 
upon the honest failure in business of such member." Under 
such a system of insurance, reward and indemnity for bank- 
rupts, the virtues of thrift and prudence would degrade in 
honor, and the incentive to their practice be lost, since 



xii REPORT OF THE 

corruption and extravagance might win more than honesty 
and frugality, while the virtues pay tribute to the vices of 
trade. 

That the legislature contemplated schemes like these as 
the outgrowth of its liberal statute, enacted in the name of 
benevolence, I do not believe. Whether they shall continue 
to live and multiply under the shelter of public authority, is 
for the legislature to determine. 

As to what the idea of assessment or co-operative life in- 
surance is capable of in skilful hands, — whether it is 
practicable to embody it in a plan of permanent insurance, 
equitable and scientific and reliable, — is a problem I do not 
here discuss. That it has the support of able champions, 
as also the favor of an intelligent body of popular opinion, 
must be conceded by those most strongly persuaded of its 
fallacy ; and these facts challenge for it respectful considera- 
tion by public representatives, whatever may be the final 
judgment upon it. New ideas and methods are not to be 
anathema in a conservative progressive social state like ours, 
solely because they innovate upon old habits, or impeach 
dogmas held as infallible by fossil conservatism ; nor are they 
to be admitted into confidence because of any charm of 
novelty they possess, or upon the authority of enthusiasts 
and empirics, unsupported by convincing reason and fact. 
Through much disastrous but instructive experience, the 
business of life insurance has found a safe path, if per- 
chance not the possible best. And while its capable students 
will consider with candor any intelligent suggestion of 
improvement in idea or method, the cautious commercial 
world, and men who like to feel solid ground under their 
feet, will not venture into a new and unexplored path except 
upon clear demonstration of its safety and superior merit 
over the old well-trodden one. But sufficient to the present 
purpose is the patent fact that a portion, at least, of the 
organizations classed as co-operative, doing insurance busi- 
ness in Massachusetts under the supposed broad license of 
its laws, are not conducted on a basis, or for purposes which 
wisdom or sound morality can approve. All I venture now 
to commend to the consideration of the legistature is the 
need and expediency of legislation clearly defining and limit- 



INSURANCE COMMISSIONER. xiii 

ing the powers and obligations of the corporations referred 
to, and holding them to a just public accountability for the 
integrity of the conduct of their affairs. Such legislation, 
it needs scarcely to add to avoid misapprehension, should 
impair in no degree the privileges now enjoyed by associa- 
tions organized and conducted within the true letter and 
spirit of the statute. 

I am convinced the statute establishing limited official rela- 
tions between the insurance department and these anomalous 
insurance bodies, should be amended and made efficient, or 
repealed altogether. As now, it is a cheat — a body without 
a soul. It creates the semblance of State supervision and 
corporate accountability, where none, in substance, exists. 
It spreads a snare for the heedless public. Popular confi- 
dence is given to irresponsible organizations on the credit of 
their supposed indorsement by the State. Of this fact the 
correspondence of this office furnishes abundant proof. The 
State should supervise, or not seem to. Otherwise, it may 
not be held altogether guiltless when reproached by sufferers 
from the insurance riot. 

The experience of Pennsylvania is instructive. The ac- 
complished commissioner of that State reports that of two 
hundred and thirty-six incorporated co-operative assessment 
companies, thirty-seven only survive, and some of these are 
moribund. During the year 1882 one hundred and fifteen 
died of inanition or by legal decree, while the membership 
of the survivors has diminished until the entire membership 
numbers less than thirty thousand. The application of the 
law of the survival of the jit to Massachusetts companies of 
that class is a consummation wished for by the honest advo- 
cates of the co-operative system no less than by the public 
at large. 

By the statute prescribing his duties, the Commissioner is 
commanded, by himself or deputy, triennially, or oftener, to 
visit and inspect the financial condition and affairs of the 
State companies ; and in like manner to visit and examine 
foreign companies whenever, in his opinion, desirable. Upon 
assuming the office, I learned that none of the six life com- 
panies had been thus examined since 1878 ; only thirty-three 
of the sixty-eight fire and marine companies within three 



xiv REPORT OF THE 

years ; and several of the companies had never been examined 
at all. During the last year of the incumbency of my prede- 
cessor, one company was examined and no more. With a 
single exception, that of the Mutual Benefit Life of New 
Jersey, no official visit or inspection of any foreign company 
by this department has been made since 1878. As to exam- 
inations made prior to June, 1871, if any, I have no infor- 
mation, as no official record thereof was made, or, if made, 
has been preserved in these archives. The law making these 
triennial examinations a peremptory duty of the Commis- 
sioner, was enacted in 1871. It has never been fully com- 
plied with ; though Mr. Commissioner Rhodes pursued the 
work of examinations with diligence and care. Since 1871, 
various new legislation has charged the department with 
additional duties involving considerable responsibility and 
labor ; while the means appropriated for its use have 
been reduced. For the five years from 1871 to 1875, in- 
clusive, the average annual expenditures of the office were 
$24,866.43, as against an average of $18,912.76 for the years 
1879 to 1882 inclusive. These facts are stated as matter of 
justice to the preceding administration. 

Upon inquiry I was informed by the Deputy Commissioner, 
who has been long and thoroughly familiar with the work of 
the department, and diligent and capable in it, and who made 
all the visits and inspections made within five years past, that 
the department, by reason of its other duties, had found 
itself unable, with the resources at its command, to fulfil the 
law. This condition of affairs, as shown to me, I communi- 
cated to His Excellency the Governor, who saw fit to submit 
the matter to the legislature, with his recommendation that 
the executive force of the department be increased by the 
employment of an actuary. The recommendation did not 
meet with the favor of the legislature. As it is not conceiv- 
able that the legislature anticipates the law shall continue in 
contempt, the present Commissioner acknowledges the com- 
pliment implied to his ability to perform what his experienced 
predecessor did not and, confessedly, could not do. Yet I 
cannot forbear reference to the fact that this department is 
not a charge upon the public treasury, nor supported by 
general taxation. From the revenue it earns, drawn chiefly 



INSURANCE COMMISSIONER. xv 

« 

from the insurance companies in the form of fees and charges' 
it pays all its expenses, and covers into the treasury for gen- 
eral uses an annual tribute of sixteen thousand dollars. 
Having, by a mode of indirect taxation collected from the com- 
panies so ample a sum, for a special use (the support of the 
State supervision of insurance), it seems hardly dignified in 
the Commonwealth to refuse the department from this fund, 
a portion sufficient to provide for its full efficiency and use- 
fulness, in order that its treasury may wax fat. 

It is my intention to visit and examine, or cause to be 
visited and examined, as speedily as may be with diligence, 
all the companies, foreign and domestic, within the jurisdic- 
tion of the department. The examination of domestic com- 
panies will be as thorough as can be with the means and 
facilities at command. To-day, if called upon, this depart- 
ment is unable to certify to the departments of other States, 
or to the public, the condition of any one of our life insur- 
ance companies, (except of the John Hancock, which 
I have visited and examined within the past month) , 
based upon an official examination made within five years ; 
nor of any one of a majority of our fire, marine, and 
fire-marine companies, based upon an examination within 
three years. Neither my sense of official responsibility, 
or of obligation to the mandate of the law, will permit 
this state of affairs to exist longer than the time need- 
ful to reform it. However confident I may feel of the rec- 
titude of these fiduciary institutions, I am not justified in 
my public trust until to confidence I add so much of actual 
knowledge as I have power to obtain. As to the inquiry 
relative to foreign authorized companies, it is proposed to 
give just weight and consideration to all reliable information 
as to their affairs in the possession of the several State insur- 
ance departments, without abdication of the separate respon- 
sibility of this department to its constituents ; and not to sub- 
ject the companies to any expense or inconvenience not abso- 
lutely needed for an ascertainment of their financial condition 
satisfactory to ordinary prudence. An investigation in that 
spirit and scope cannot be construed as discourteous in any 
regard to the departments of other States, or disrespectful to 
their fidelity or ability in their official duties. Similar action 



xvi KEPORT OF THE 

on their part, in respect to Massachusetts companies, would 
invite no such ungenerous inference by this department ; and 
the Commissioner will welcome any participation they incline 
to in his examination of our domestic companies. Nor should 
it be distasteful to the companies themselves, since a satisfac- 
tory examination will confirm their credit with Massachusetts 
patrons. Some of them should desire it as a conclusive reply 
to reflections to their disadvantage made to this department 
and through the public journals. 

Examinations do not imply distrust of the companies, 
They are, it is true, safeguards the law provides in jealous 
care against possible dishonesty and improvidence, and are 
useful and wise as precautions. But they have a large value 
also in that they serve to protect the companies from the 
injurious suspicions and assaults of ignorance and malice, 
and to preserve popular confidence, when merited, in institu- 
tions in which the public have a deep concern. Without re- 
straint by legal regulation and supervisory power, the business 
of life insurance, under the prevailing system, offers unusual 
opportunities for base schemes. The high qualities of busi- 
ness honor and capacity which, I am glad to credit, as a rule 
obtains in the administration of our principal insurance com- 
panies, I attribute in large measure to the intelligent surveil- 
lance by public authority. Honest men welcome it as the 
law-abiding citizen welcomes the faithful policeman, so long 
as it does not invade the proper freedom of legitimate busi- 
ness enterprise : while, by reason of it, the unprincipled 
and bad find the pursuit of dishonest practices so difficult 
and perilous, from the constant imminence of exposure, that 
they desist from their vocation, or ply it in less guarded 
quarters. State supervision is not perfect, nor, in the 
fallible nature of human institutions, is ever likely to be. 
But they who hastily condemn it as of no value, because an 
occasional disaster befals, omit, as fair critics will not, to 
take into judgment the potent aid it has given towards the 
establishment of insurance on a firm and true foundation, 
the evils it has avoided and reformed, and the conservative 
influence it exerts on the side of probity, prudent manage- 
ment and just principles. To preserve the public health and 



INSURANCE COMMISSIONER. xvii 

prevent abuses, is as worthy a function of the civil ruler, as 
to detect existing faults and punish committed crimes. 

The exhibits embraced in the report testify to a generally 
prosperous condition of life insurance business throughout 
the country in its old established methods. Assuming the 
integrity of their sworn statements, all the regular compa- 
nies, tested by accepted legal standards, have a good solvent 
margin, beyond ordinary contingencies, while nearly all 
show a gain in financial strength as the result of the year's 
transactions. The popularizing of life insurance through the 
agency of the numerous and extremely various co-operative 
and charitable associations, whatever its earlier effect, now 
evidently results in advantage rather than prejudice to the 
regular business. People once instructed to value the bene- 
fit of insurance as relief from anxiety of mind, and indemnity 
from calamity, soon learn to desire the best, and after brief 
trial of the doubtful and speculative sort, invest in that which 
the test of practical experience of successive generations has 
endorsed as worthy of trust. Relative to the tempting offers 
of insurance at cheap rates, by insurance speculators and 
novices, the public may fitly be admonished that the insur- 
ance which is bought for a less price than insurance is fairly 
worth, will prove an unsatisfactory and poor article, and not 
worth the price. If, by chance, some gain by it, more will 
lose, and the total will be evil. And while the minimum 
cost consistent with efficient business management is a prime 
factor in the conditions of success, yet no insurance institu- 
tion, broad enough to be firm and safe from ordinary acci- 
dents, can be supported without cost, nor without the em- 
ployment of business skill and enterprise of a high order, 
which must be paid for by those who look to realize its bene- 
fits. 

Complaint is made of insurance effected in this State by 
foreign companies, not admitted, in violation of law. This 
constitutes a grievance and injustice to the companies law- 
fully authorized, as well as an indignity to the Common- 
wealth, which should be redressed by a vigorous enforcement 
of legal penalties, and by more effectual legislation if exist- 
ing laws prove inadequate. 

Each year's history confirms the opinion of students of 



xviii REPORT OF INSURANCE COM'R. 

the subject, that the business of life insurance is one of the 
safest in which men engage, provided these conditions : a 
careful observance of mortality facts, with conservative pre- 
vision for exceptional low vitality, as the basis of the con- 
tract, and integrity, capacity and prudence in the business 
administration. Where life insurance enterprises fail, the 
responsibility for the failure, on investigation, will be found 
chargeable to the neglect of some of these essentials, and 
not to errors inherent in the system. 

Certain comments of the press, inspired by misinformation 
or malice, or both, untruthful, as unjust and insulting to the 
Governor of the Commonwealth as to myself, traducing the 
acts and purposes of this department, provoke and justify a 
remark, otherwise impertinent, that I fully estimate my indi- 
vidual responsibility for the trust I hold, which I cannot 
share. That responsibility confers upon me the correspond- 
ent right and liberty, which I shall freely use, to employ 
such agents and adopt such methods, in the discharge of my 
office, consistent with the laws, as I see fit. For the integ- 
rity of my exercise of that discretion I shall be at all times 
prepared to account to my constituent, the honest public, 
whom alone I serve. While I remain in its administration, 
the department will have no relations with partisan or per- 
sonal politics. Although the journal in which the injurious 
charge was originally made boasts a high character for 
candor and public spirit, it has confessed on a former occa- 
sion, as it should have the grace to do now, that its editorial 
judgments are sometimes formed upon " insufficient informa- 
tion." 

Respectfully submitted. 

JOHN K. TARBOX, 

Insurance Commissioner. 



STATISTICAL TABULATIONS. 



XX 



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XX11 



REPORT OF THE 



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INSURANCE COMMISSIONER. 



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XXIV 



REPORT OF THE 



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LIFE INSURANCE COMPANIES. 



Detailed Statements of Assets and Liabilities, with Abstract 

of Annual Statements, for the Year ending 

December 31, 1882. 



MASSACHUSETTS LIFE 



[Dec. 31 



DETAILED STATEMENT OE ASSETS AND LIABILITIES. 



BERKSHIRE LIFE INSURANCE COMPANY OF PITTSFIELD. 

[Incorporated May, 1851. Commenced business September, 1851.] 

Paid-up Capital, $25,500. 

William R. Plunkett, President. James W. Hull, Secretary. 



Income. 

Total premium income, 

Cash received for interest on stocks, bonds and loans, 

for interest on other debts due the company 
as discount on claims paid in advance, 
for rents of company's property, 
for profit and loss account, etc., . 

Total income, , 

Net or ledger assets Dec. 31, 1881, . 



Total, 



$523,343 52 

165,866 74 

7,257 26 

1,559 68 

14,898 41 

2,413 55 

$715,339 16 
3,517,371 70 

$4,232,710 86 



Disbursements. 
Cash paid for losses and additions, .... 
Premium notes or loans used in payment of same, . 
Cash paid for matured endowments and additions, . 
Premium notes or loans used in payment of same, . 

Gross amount paid for losses and endowments, 
Received for losses and claims on policies re-insured, 

Net amount paid for losses and endowments, . 
Cash paid for surrendered policies, .... 
Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, .... 

Cash surrender values, including reconverted additions 

applied in payment of premiums, 

dividends paid policy-holders, applied in payment of 

premiums, 



Total paid policy-holders, . 
Cash paid for dividends to stockholders, 
for commissions to agents, 



$174,274 05 

4,278 95 

253,002 27 

12,674 73 

$444,230 00 
16,253 37 

$427,976 63 
110,248 29 

11,578 70 

11,243 67 

88,588 22 

$649,635 51 

1,785 00 

43,093 36 



1882.] 



INSUKANCE COMPANIES. 



Cash paid for salaries and travelling expenses of agents, 
for medical examiner's fees, 
for salaries of officers and office employes, 
for taxes and fees, 
for rent, 

for advertising, . 
for incidentals, . 
for depreciation, 

Total disbursements, . 

Balance, ........ 

Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of real estate, 

Loans on mortgage of real estate (first liens) , . 

on collateral security (schedule A), 
Premium notes or loans on policies now in force, 
Cost value of stocks and bonds owned (schedule B), 
Cash in company's office, 

deposited in bank, 
Bills receivable, . 
Agents' ledger balances, 
Office furniture, . 

Ledger assets (as per balance), 
Deduct depreciation from cost of assets, 

Total net or ledger assets,. . 



$16,659 75 

3,686 00 

18,113 35 

11,190 83 

5,159 76 

3,439 60 

12,642 68 

9,936 84 

$775,342 68 



1,457,368 18 



$423,776 13 

2,064,212 69 

150,975 00 

142.308 95 

575,925 25 

1,961 85 

82,191 79 

827 40 

12,189 12 

3,000 00 

$3,457,368 18 
339 01 

$3,457,029 17 



Other Assets. 
Interest due and accrued, .... 
Rents due and accrued, .... 
Market value of stocks and bonds, over cost, 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 

Total, 

Deduct loading (20 per cent.), . 

Net am't uncollected and deferred prems., 



$26,189 33 
33,245 55 



,434 88 
11,886 97 



Total assets per company's books, .... 

Items not Admitted. 
Office furniture, etc., , $3,000 00 

Agents' balances, 12,189 12 

Bills receivable, 827 40 

Total, .... 



Total admitted assets, 



42,220 40 
395 00 

45,958 50 



47,547 91 
$3,593,150 98 



16,016 52 
1,577,134 46 



4 



MASSACHUSETTS LIFE 



[Dec. 31, 



Liabilities. 

Computed premium reserve or net present value of all 

outstanding policies (Actuaries' 4 per cent.) , . 
Deduct net value of re-insured risks, .... 

Net re-insurance reserve, 

Death losses and matured endowments in 

process of adjustment, .... $23,788 00 
Claims resisted by the company, . . 10,000 00 

Total policy claims, .... 

Unpaid dividends or surplus due policy-holders, 
Premiums paid in advance, 
Ledger accounts, . . 



Liabilities as to policy-holders, 
Surplus as regards policy-holders, 



Gross liabilities, 



13,058,675 00 
8,709 00 

i3,049,966 00 



33,788 00 
2,760 68 

10,174 72 
3,403 66 

$3,100,092 96 
477,041 50 

$3,577,134 46 



Premium Note Account. 

Premium notes on hand Dec. 31, 1881, . $158,575 87 

received during 1882, . 25,887 15 

Total, ....... 

Used in payment of losses and claims, . $16,953 68 

of surrendered policies 

and voided by lapse, . 11,578 70 

Redeemed by maker in cash, . . . 13,621 69 

Total, . . . . . . . 



Balance note assets Dec. 31, 1882, 



$184,463 02 



42,154 07 
$142,308 95 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1881. 

Number. Amount. 

Whole-life policies, 2,934 f 6,836,954 00 

Endowment policies, 2,035 4,026,096 00 

All other policies, 763 1,422,650 00 

Reversionary additions, - 77,505 00 



New Policies issued in 1882. 



Whole-life policies, 
Endowment policies, 



352 
490 



1,172,297 00 
981,395 00 



Old Policies revived during the Year. 



Whole-life policies, ... 
Endowment policies, .... 
Old policies increased during the year, 
Additions by dividends, 

Total number and amount, 



16 

7 
139 



43,500 00 

10,500 00 

306,500 00 

162,121 00 



6,736 $15,039,518 00 



1882.] 



INSURANCE COMPANIES. 



Policies ceased to be in Force during the Year. 



Terminated by death, . 

by maturity, 

by expiry, 

by surrender, 

by lapse, . 

by change and decrease, 

by transfer, 
Not taken, . ... 

Total terminated, 



Policies in Force Dec. 31, 1882 

Whole-life policies, 

Endowment policies, . . 

All other policies, 

Reversionary additions, .... 



Number. 


Amount. 


. 60 


$176,791 00 


. 101 


265,677 00 


. 173 


355,500 00 


. . 95 


350,694 00 


. 253 


524,594 00 


. 


3,000 00 


. 23 


54,000 00 


. 130 


304,000 00 


. 835 


$2,034,256 00 


1882. 

Number. 


Amount. 


. . 3,016 


$7,315,083 00 


2,201 


4,346,257 00 


684 


1,255,150 00 


- 


88,772 00 



Totals, 



5,901 $13,005,262 00 



Schedule A. 

Securities held as Collateral. 

Market value 

100 shares New York C. and H. R. R.R., 



50 " Third Nat'l Bank, Springfield, 

15 " Pittsfield Nat'l Bank, Pittsfield, 

10 " Adams Express Co., . 

15 " New York C. and H R. R.R., 

30 " Agricultural Natl B'k, Pittsfield 

164 " Pittsfield Coal Gas Co., . 

55 " Boston and Albany Railroad, 

7 " Agricultural National Bank, 

37 " Pittsfield National Bank, . 

10 " Third National Bank, 

Boston and Albany Railroad bonds, . 



} 



$12,600 00 
8,500 00 
2,325 00 
1,300 00 \ 
1,890 00/ 
7,200 00 
21,320 00 
9,460 00 
1,680 00 
5,735 00 
1,150 00 

116,000 00 



Amount loaned. 

$13,000 00 

1,525 00 
2,500 00 

4,000 00 
19,000 00 
5,250 00 
1,000 00 
3,700 00 
1,000 00 
100,000 00 



$189,160 00 $150,975 00 



Schedule B. 

Stocks and Bonds owned by the Company. 

Cost value. 

United States bonds, $313,095 25 

508 shares Pittsfield National Bank, . . . 68,830 00 

300 " Agricultural National Bank, . 60,000 00 

250 " Adams National Bank, . . 31,250 00 

North Adams water bonds, . . . 43,000 00 

Berkshire county loan, .... 36,750 00 

Pittsfield town loan, 23,000 00 



Market value. 

$324,343 75 
78,740 00 
72,000 00 
36,250 00 
47,300 00 
40,250 00 
23,000 00 



$575,925 25 $621,883 75 



MASSACHUSETTS LIFE 



[Dec. 3L 



JOHN HANCOCK MUTUAL LIFE INSURANCE COMPANY OF 

BOSTON. 

[Incorporated April 21, 1862. Commenced business Dec. 27, 1862.] 

Stephen H. Rhodes, President. Geo. B. Woodward, Secretary 



Income. 

Total premium income, ...... 

Cash received for interest on stocks, bonds and loans, 

for interest on other debts due the company 
as discount on claims paid in advance, 
for rents of company's property, 
for profits on bonds, stocks or gold sold, 

Total income, . , . . . . 
Net or ledger assets Dec. 31, 1881, .... 



Total, 



$415,536 64 

123,746 46 

5,092 94 

1,054 95 

10,329 11 

5,135 31 



1,895 41 
2,399,676 60 

$2,960,572 01 



Disbursements. 
Cash paid for losses and additions, .... 
Premium notes or loans used in payments of same, 
Cash paid for matured endowments and additions, 
Premium notes or loans used in payment of same, . 

Gross amount paid for losses and endowments, 

Cash paid to annuitants, 

for surrendered policies, .... 
Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, .... 
Cash surrender values, including reconverted additions 

applied in payment of premiums, .... 
Cash dividends paid policy-holders, $4,147.87 ; applied in 

payment of premiums, $30,395.83, 
Premium notes or loans used in payment of dividends, 

Total paid policy-holders, 

Cash paid for commissions, 

for salaries and travelling expenses of agents 

for medical examiner's fees, 

for salaries of officers and office employes, 

for taxes and fees, 

for rent, 

for furniture and office fixtures, 

for advertising, 

for incidentals, . ... 

Total disbursements, 

Balance, 



$ 188,922 21 

5,130 69 

75,435 74 

6,911 70 

$276,400 34 

844 63 

13,943 35 

4,902 24 

8,906 62 

34,543 70 
9,407 75 

$348,948 63 
61,579 10 
44,835 07 
13,942 45 
26,741 34 
10,468 74 
11,210 27 
182 15 
3,003 45 
15,718 25 

$536,629 45 

2,423,942 56 



1882.] 



INSUKANCE COMPANIES. 



Invested in the following : — 

Assets as pee Ledger Accounts. 

Cost value of real estate, 

Loans on mortgage of real estate (first liens) , 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans or policies in force, 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 
deposited in bank, 

Bills receivable, 

Agents' ledger balances, 

Personal loans, . 

Commuted commissions, 

Ledger assets (as per balance), 
Deduct depreciation from cost of assets, 

Total net or ledger assets, . 

Other Assets. 
Interest due and accrued, .... 
Rents due and accrued, .... 
Market value of stocks and bonds, over cost, 
Uncollected premiums on policies in force, 
• Deferred premiums on policies in force, . 

Total, 

Deduct loading (20 per cent.), 

Net am't of uncollected and deferred prems., 

Total assets per company's books, 

Items not Admitted 



,198 81 

24,475 64 

$42,674 45 

8,534 89 



Commuted commissions, . 
Agents' balances, 
Loans on personal security, 
Bills receivable, 

Total, .... 

Total admitted assets, 



Liabilities. 
Computed premium reserve or net present value of all 

outstanding policies (Actuaries' 4 per cent.) 
Deduct net value of re-insured risks, 



$181,480 11 

1,218,628 42 

73,445 00 

12,100 00 

163,450 21 

743,315 10 

1,122 67 

17,321 22 

272 95 

8,038 21 

768 67 

4,000 00 

52,423,942 56 
9,280 11 

52,414,662 45 

$41,857 53 

254 00 

35,708 90 



34,139 56 



D. 

$4,000 00 

8,038 21 

768 67 

272 95 


$2,526,622 44 
13,079 83 




• • 


$2,513,542 61 



Net re-insurance reserve, . 
Matured endowments due and unpaid, 
Death losses in process of adjustment, 
Claims resisted by the company, 

Total policy claims, . 



$2,305,362 00 
3,041 00 



$160 00 

27,822 00 

936 00 



$2,302,321 00 



$28,918 00 



3 



MASSACHUSETTS LIFE 



[Dec. 31 



Unpaid dividends of surplus due policy-holders, 
Dne for premiums paid in advance, . 

Liabilities as to policy-holders, . 
Surplus as regards policy-holders, . 

Gross liabilities, 



,534 58 
2,781 68 



$2,352,555 26 
160,987 35 

12,513,542 61 



16,960 06 



Premium Note Account. 

Premium notes on hand, Dec. 31, 1881, . $175,168 87 
received during 1882, 

Total, 

Used in payment of losses and claims, 

of surrendered polieies 
and voided by lapse, . 
of dividends to policy- 
holders, 
Redeemed by maker in cash, 

Total, ....... 

Balance note assets Dec. 31, 1882, 

Exhibit of Policies. 

Policies and Additions in Force Dec. 31, 1881. 

Number. 

Whole-life policies, 3,243 | 

Endowment policies 1,390 

All other policies, 986 



$12,042 39 


$192,128 93 


4,902 24 




9,407 75 
2,326 34 


. 28,678 72 




. • . 


$163,450 21 



New Policies issued in 1882. 



Whole-life policies, 
Endowment policies, 
All other policies, 



298 
150 
161 



Old Policies Revived during the year. 

Whole-life policies, 6 

Endowment policies, 1 

All other policies, 2 



Amount. 

16,110,079 00 
1,825,384 00 
1,971,300 00 



476,216 00 
259,550 00 
354,300 00 



8,400 00 

1,029 00 

10,750 00 



Total number and amount, 



6,237 $11,017,008 00 



Policies ceased to be in Force during the year 
Terminated by death, 

by maturity, . 

by expiry, 

by surrender, . 

by lapse, 

by change and decrease, 
Not taken, ...... 



Total terminated, 



60 


$133,788 00 


55 


82,770 00 


278 


566,750 00 


81 


142,829 00 


146 


160,800 00 


165 


381,483 00 


69 


102,300 00 



. 854 |1,570,720 00 



1882.] 



INSURANCE COMPANIES. 



Policies in Force December 31, 1882. 

Number. Amount. 

Whole-life policies, 3,174 $5,968,617 00 

Endowment policies, 1,396 1,855,12100 

All other policies, 813 1,622,550 00 



Totals, 
Industrial policies in force, 



5,383 
48,568 



Schedule A. 

Securities held as Collateral. 

Market value 

Ottawa, Osw., and Fox Riv. Val. R. R. b'd, 
205 shares American Whip Company, 
25 " N. Y. C. and H. R. R.R., . 
New Mexico and So. P. Railroad bonds, . 
Iowa Falls and Sioux City R.R. bonds, 
Jack., Lan. and Sag. Railroad bond, . 
Oregon Short Line Railroad bond, . 
Ks. City, Top. and West'n Railroad bond, 
Sonora Railroad bond, .... 
Pueblo and Ark. Yal. Railroad bonds, 
Atlantic and Pacific Railroad bonds, 



$1,230 00 

20,500 00 
3,356 25 
2,250 00 
2,400 00 
1,126 25 

24,500 00 
8,010 00 
2,095 00 
5,675 00 

28,200 00 



$9,446,288 00 
5,096,488 00 



Amount loaned. 

#800 00 

11,000 00 

2,500 00 

4,000 00 

645 00 

20,000 00 

8,500 00 
26,000 00 



,342 50 $73,445 00 



Schedule B. 

Stocks and Bonds owned by 



Massachusetts state bonds, 

Marian county (Ind.) bonds, 

Salem city bonds, 

Bath city bonds, 

Cambridge city bonds, 

Albany city bonds, 

Cincinnati city bonds, 

Chicago city bonds, . 

Evansville city bonds, 

Cleveland city bonds, 

St. Louis city bonds, . 

Indianapolis city bonds, 

Columbus city bonds, 

Fall River city bonds, 

Franklin County (O.) bonds, 

Philadelphia, Wil., and Bait. R.R. bonds 

Chicago, Burl., and Quincy R.R. bonds, 

Ogdensburg and Lake Champ. R.R. bonds 

Vt. Cent, and Vt. and Can. R.R. bonds, 

Central Vermont Railroad bond, 

Illinois Grand Trunk Railroad bonds, 

Michigan Central Railroad bonds, . 

Grand River Valley Railroad bonds, 



the Company. 

Cost value. 

$137,025 00 

10,300 00 

5,000 00 

1,840 00 

2,003 75 

4,822 50 

21,380 00 

4,800 00 

5,125 00 

10,300 00 

11,770 00 

13,130 00 

17,887 50 

12,127 50 

14,220 00 

6,650 00 

25,125 50 

4,987 00 

5,040 00 

1,027 50 

19,400 00 

5,362 50 

10,487 50 



Market value. 

$137,650 00 

10,400 00 

5,450 00 

2,087 50 

2,100 00 

5,750 00 

25,650 00 

6,300 00 

6,000 00 

11,500 00 

12,585 00 

14,560 00 

17,575 00 

13,215 00 

14,220 00 

7,350 00 

30,300 00 

5,050 00 

2,850 00 

570 00 

22,600 00 

5,650 00 

10.800 00 



10 



MASSACHUSETTS LIFE 



[Dec. 31, 



Cedar Rapids and Missouri R. R.R. bonds, 
Jackson, Lansing, and Saginaw R.R. b'ds, 
Boston and Providence Railroad bonds, 
Boston and Albany Railroad bonds, . 
Nashua and Rochester Railroad bonds, 
Lowell and Andover Railroad bonds, 
Old Colony Railroad bonds, . . . 
Eastern Railroad bonds, . 
Burlington and Mo. River -R.R. bonds, 
New York and New England R.R. bonds, 
New Mexico and South Pac. R.R. bonds, 
Kansas City, Law., and So. R.R. bonds, 
Massachusetts Central Railroad bonds, 
Southern Kansas and Western R R. bonds 
Cheshire Railroad bonds, . 
Chicago and Eastern Illinois R.R. bonds, 
Atlantic and Pacific R.R. bonds, 
Wichita and South-Western R.R. bonds, 
Saginaw Val and St. L. R.R. bonds, 
Chic, Mil. and St. Paul R.R. bonds, . 
Lowell and Lawrence Railroad bonds, 
Pueblo and Ark. Valley Railroad bonds, 
Oregon Railroad and Nav. Co. bonds, 
New England Mort. Sec. Co. bonds, 
Newton and Watertown Gas Co. 

50 shares Boston and Maine Railroad, 

50 " Vermont and Canada Railroad 
100 " Chic , Burl, and Q. R.R., . 
100 " New England National Bank, 

50 " Tremont National Bank, , 
100 " Continental National Bank, 

35 " Boylston National Bank, . 
100 " Washington National Bank, 

22 " State National Bank, 



Cost value. 

$13,500 00 
10,100 00 
26,187 -50 
25,520 83 
23,125 00 
18,300 00 

1,020 00 
24,177 50 
11,887 50 
20,862 50 
11,716 25 
10,355 00 

4,750 00 
11,187 50 

5,500 00 
10,900 00 
10,437 50 

9,132 50 
19,680 00 

5,168 75 

1,115 00 
11,512 50 
10,761 90 

5,000 00 
20,000 00 

5,635 62 

4,962 50 
12,775 00 
12,031 00 

5,590 50 
10,150 00 

4,362 50 
13,537 50 

2,531 50 



Market value. 

$16,950 00 
10,612 50 
30,875 00 
29,250 00 
25,000 00 
22,000 00 

1,167 50 
27,375 00 
12,450 00 
21,000 00 
11,250 00 
10,475 00 

1,300 00 
10,950 00 

5,525 00 
10,000 00 

9,400 00 

8,720 00 
20,000 00 

5,175 00 

1,100 00 
11,350 00 
10,800 00 

5,150 00 
20,500 00 

7,450 00 

925 00 

12,275 00 

13,000 00 

5,750 00 
11,525 00 

4,060 00 
12,712 50 

2,739 00 



$743,315 10 $779,024 00 



MASSACHUSETTS HOSPITAL LIFE INSURANCE COMPANY OF 

BOSTON. 

[Incorporated Feb. 24, 1818. Commenced business 1823.] 

Paid-up Capital, $500,000. 

John L. Gardner, President. J. C. Braman, Secretary. 

Actuary, Samuel C. Cobb. 

Income. 

Total premium income, $93,570 91 

Cash received for interest on stocks, bonds and loans, . 52,678 68 

for commissions on trust, .... 43,214 98 

Total income, $189,464 57 



1882.] 



INSURANCE COMPANIES. 

Disbursements. 



Cash paid to annuitants, 

for dividends to stockholders, . 

to Massachusetts General Hospital, . 

for salaries of officers and office employes, 

for taxes and fees, 

for rent, 

for incidentals, 

Total disbursements, ...... 



11 



$52,767 90 

50,000 00 

10,000 00 

22,480 00 

8,273 94 

2,500 00 

976 91 

$146,998 75 



Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of real estate, . . ** . 

Loans on mortgage of real estate (first liens), 

on collateral security, 
Cost value of stocks and bonds owned, 
Cash deposited in bank, ... 



Ledger assets, 



6,283 28 

589,914 28 

396,789 57 

155,022 50 

19,525 18 

,167,534 81 



Other Assets. 

Interest due and accrued, 

Market value of real estate, over cost, 

of stocks and bonds, over cost, . 

Total assets per company's books, 



16,378 69 

2,164 25 

16,533 91 

.,202,611 66 



Liabilities. 

Computed premium reserve or net present value of all 

outstanding policies (Actuaries' 4 per cent.), 
Due and unpaid on annuity claims, 

Liabilities as to policy-holders, 

Surplus as regards policy-holders, 

Gross liabilities, 



$399,183 00 

3,009 31 

$402,192 31 

800,419 35 

1,202,611 66 



Exhibit of Policies. 



Policies in force Dec. 31, 1882, . 
Annuities in force Dec. 31, 1882, 



Number. Amount. 

5 $13,000 00 
. 161 393,256 00 



12 



MASSACHUSETTS LIFE 



[Dec. 31, 



MASSACHUSETTS MUTUAL LIFE INSURANCE 

OF SPRINGFIELD. 



COMPANY 



[Incorporated May 15, 1851. Commenced business Aug. 1, 1851.] 
E. W. Bond, President. John A. Hall, Secretary. 

Income. 

Total premium income, $856,636 65 

Cash received for interest on stocks, bonds and loans, . 331,150 27 

as discount on claims paid in advance, . 2,502 73 

for rents of company's property, . . 67,355 21 

Total income, $1,257,644 86 

Net or ledger assets Dec. 31, 1881, 6,461,529 94 

Total, . . $7,719,174 80 



Disbursements. 

Cash paid for losses and additions, 

Premium notes or loans used in payment of same, . 
Cash paid for matured endowments and additions, . 
Premium notes or loans used in payment of same, . 

Gross amount paid for losses and endowments, 
Received for losses and claims on policies re-insured, 

Net amount paid for losses and endowments, . 
Cash paid for surrendered policies, . 
Premium notes or loans used in purchase of surrendered 

policies and voided by lapse, 

Cash surrender values applied in payment of premiums, 
Cash dividends paid policy-holders, $23,979.27 ; applied 

in payment of premiums, $103,214.23, . 
Premium notes or loans used in payment of dividends, 

Total paid policy-holders, .... 
Cash paid for commissions to agents, 

for salaries and travelling expenses of agents 
for medical examiner's fees, 
for salaries of officers and office employes 
for taxes and fees, .... 

for rent, 

for advertising, 

for incidentals, 

expenses on real estate, . 

Total disbursements, 

Balance, 



$381,744 03 

20,609 60 

119,500 62 

17,031 38 

$538,885 63 
5,000 00 

$533,885 63 
8,860 08 

24,626 15 
27,632 99 

127,193 50 
77,461 87 

$799,660 22 

59,822 04 

64,272 86 

5,908 00 

37,178 79 

17,874 45 

9,683 96 

8,877 72 

17,945 48 

54,100 78 

$1,075,324 30 

$6,643,850 50 



1882.] 



INSURANCE COMPANIES. 



13 



Invested in the following : — 

Assets as pee Ledger Accounts. 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 
Premium notes or loans on policies in force, . 
Cost value of stocks and bonds owned (schedule B), 
Cash in company's office, . 

deposited in bank, 

Bills receivable, ....... 

Ledger assets (as per balance), 



$1,431,621 15 

2,109,998 47 

284,780 00 

102,047 80 

576,166 62 

1,985,871 74 

3,534 52 

146,676 30 

3,153 90 

?6,643,850 50 



Other Assets. 

Interest due and accrued, .... 
Rents due and accrued, .... 
Market value of real estate over cost, 

of stocks and bonds over cost, 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 

Total, 

Deduct loading (20 per cent.), . 

Net am't uncollected and deferred prems. 

Total assets per company's books, . 



$48,742 33 
109,411 35 

^158,153 68 
31,630 74 



169,739 37 

6,366 37 

210,228 85 

169,762 76 



126,522 94 

$7,326,470 79 



Item not admitted. 



Bills receivable, . 

Total admitted assets, 



3,153 90 



',323,316 89 



Liabilities. 
Computed premium reserve or net present value of all 

outstanding policies (Actuaries' 4 per cent.), . . $6,416,376 00 
Deduct net value of re-insured risks, .... 31,310 00 



Net re-insurance reserve, 

Death losses due and unpaid, . . . $5,000 00 

Death losses and matured endowments in 

in process of adjustment, . . . 91,424 00 

Claims resisted by the company, . . 15,214 00 

Total policy claims, .... 

Unpaid dividends of surplus due policy-holders, 
Due for premiums paid in advance*, . 

Liabilities as to policy-holders, . 
Surplus as regards policy-holders, . 

Gross liabilities, 



$6,385,066 00 



111,638 00 

16,337 18 

3,889 24 

$6,516,930 42 
806,386 47 

$7,323,316 89 



14 



MASSACHUSETTS LIFE 



[Dec. 31, 



Premium Note Account. 

Premium notes on hand, Dec. 31, 1881, . $629,608 63 

received during 1882, . 100,836 57 

Total, $730,445 20 

Used in payment of losses and claims, . $37,640 98 
of surrendered policies 

and voided by lapse, . 23,967 94 
of dividends to policy- 
holders 77,461 87 

Redeemed by maker in cash, . . . 11,230 16 

Total 150,300 95 

Balance note assets Dec. 31, 1882, .... $580,144 25 

Exhibit oe Policies. 
Policies and Additions in Force Dec. 31, 1881. 

Number. Amount. 

Whole-life policies, 8,877 $21,380,028 00 

Endowment policies, 2,596 4,579,979 00 

All other policies, . . . . • . . 1,923 4,181,185 00 



New Policies issued in 1882. 

Whole-life policies,' 832 

Endowment policies, 655 

All other policies, . 20 

Old Policies revived during the year. 

Whole-life policies, 

Endowment policies, .... 

Total number and amount, 

Policies ceased to be in Force du? 



Terminated by death, 

by maturity, . 

by expiry, . 

by surrender, 

by lapse, 

by change and decrease, 
Not taken, 

Total terminated, 

Policies in Force Dec 

Whole-life policies, . . 

Endowment policies, 

All other policies, .... 

Totals, 



2,622,740 00 

1,438,630 00 

23,700 00 



7,000 00 
538 00 



14,908 $34,233,800 00 


ing the year. 




Number. 


Amount. 


. 166 


$385,659 00 


. 95 


124,707 00 


. 440 


1,078,700 00 


. 79 


179,696 00 


. 298 


757,500 00 


- 


225,291 00 


. 346 


972,000 00 



1,424 $3,723,553 00 



31, 1882. 

Number. Amount. 

8,992 $21,876,458 00 
2,856 5,211,614 00 
1,636 3,422,175 00 



13,484 $30,510,247 00 



1882.] 



INSURANCE COMPANIES. 



15 



Schedule A. 

Securities held as Collateral. 

Market value. 

19 shares Springfield Gas-Light Co., . $2,850 00 

8 " Massasoit Paper Co., 
15 " Union Pacific Railroad, ■ 
Chattel mortgage, .... 
15 shares Union Paper Manuf. Co., 



30 " Cocheco Natl Bank (Dover), 
425 " Hampden Paint and Chem. Co 
5 " N. Y., N. H. and Hartford R R. 
40 " Union Paper Manuf. Co., 
60 " Valley Paper Company, . 
843 " The Beebe and Holbrook Co., 
Springfield Printing Co. bonds, 
100 shares Springfield Printing Co., . 
Kansas City Water Co. bond, . 
17 shares Conn. River Railroad, 
Ohio Southern Railroad bonds, . 
Ind., Bloom, and Western R.R. bonds, 
13 shares Pynchon National Bank, . 
5 " John Hancock National Bank, 
8 " Leicester National Bank, . 
Mortgage on Real Estate, . 
20 shares Wells, Fargo & Co. Ex. Co., 
120 shares Chicopee Water Co., 
Kansas City, St. Joe and C. B. R R. bonds 
Streeter Gas Light and Coke Co. bonds, 
Kansas City, St. Joe, and C. B. R R. bonds 
100 shares Union Pacific Railroad, . 
Greenwood County (Ks.) bonds, 
10 shares Boston and Albany R.R. bonds 
25 " N. Y., N. H and Hartford R.R 
100 " Valley Paper Co. (Holy oke), 
100 " Cocheco National Bank, . 
445 " Union Paper Manuf. Co., 
Kansas City, St. Joe and C. B. R.R. bonds 
Kansas City, St. Joe and C. B. R.R. bonds 
150 shares Union Paper Manuf Co., 
25 " Springfield F. and M. Ins. Co. 
Douglas County (Wis.) bonds, . 
Personal loan, secured, 



1,488 00 

1,537 50 

5,002 00 

1,875 00 

3,000 00 

7,650 00 

885 00 

5,000 00 

7,800 00 

147,525 00 

10,000 00 

1,000 00 

1,090 00 

2,720 00 

8,100 00 

2,400 00 

2,236 001 

625 00 j 

1,000 00 { 

1,500 00 j 

2,560 00 

13,800 00 

11,990 00 

3,300 00 

8,720 00 

10,250 00 

5,250 00 

1,740 00 

4,425 00 

13,000 00 

10,000 00 

55,625 00 

41,420 00 

23,980 00 

18,750 00 

4,000 00 

23,100 00 



} 



} 



Amount loaned . 

$1,900 00 

750 00 

1,500 00 

2,500 00 

1,500 00 

2,400 00 

7,000 00 

700 00 

2,700 00 

6,000 00 

45,000 00 

10,000 00 

100 00 
580 00 

10,000 00 



5,000 00 

1,600 00 
9,000 00 

11,000 00 
2,700 00 
8,000 00 

10,000 00 
2,500 00 

2,850 00 

10,000 00 
10,000 00 
20,000 00 
34,000 00 

32,500 00 

3,000 00 
20,000 00 
10,000 00 



$467,193 50 $284,780 00 



Schedule B. 

Stocks and Bonds owned by the Company. 

Cost value. Market value. 

United States bonds, ..... $100,000 00 $103,500 00 
Springfield city bonds, .... 1,942 00 2,000 00 



16 



MASSACHUSETTS LIFE 



[Dec. 31 



Cleveland (O.) city bonds, 

Burlingame (Ks.) city bonds, . 

Omaha (Neb.) city water works, 

Kansas city bonds, 

St. Joseph Water Co. bonds, 

Monmouth (111.) township bonds, 

Kankakee (111.) township bonds, 

Edwardsville (111.) township bonds, 

Douglas (111) town bonds, 

Cass county (111.) bonds, . 

White county bonds, 

Kankakee county bonds, . 

Warren county bonds, 

Gallatin county bonds, 

Greenwood county bonds, . 

Leavenworth City Water Co., 

5 shares Agawam Nat'l B'k, Springfield 
20 " Pynchon Nat'l B'k, Springfield 

124 " First Nat'l Bank, Springfield, 
81 " Second Nat'l Bank, Springfield 
35 " Chicopee Nat'l B'k, Springfield 
17 " John Hancock National Bank 
Springfield, . 

100 " City National B'k, Springfield 

24 " First National Bank, Chicopee 

34 " First Nat'l B'k, Northampton 
15 " Eliot National Bank, Boston, 

25 " Webster Nat'l Bank, Boston, 
15 " Merchants' Nat'l Bank, Boston 

35 " Nat'l B'k of Commerce, Boston 
38 " Metropolitan Nat'l B'k, N. Y. 

St. Louis, Alton and T. H. Railroad bonds 
Buffalo, N. Y and Erie Railroad bonds, 
Burl., Ced. Rap. and North'n R.R. bonds 
Kan. and Neb. R.R. mortgage bonds, 
Kansas City, St. Joe and C. B. R.R. bonds 
Kansas Pacific Railroad bonds, . 
Ind., Bloomington and West'n R.R. bonds 
Syracuse, Bingh'mton and N. Y. R.R. b'ds 
Central Iowa Railroad Co., 
Railway Equipment Co. bonds, . 
Ohio and West Virginia Railroad bonds, 
Southern Central Railroad of N. Y. bonds 
Ohio Southern Railroad bonds, . 
Oregon Short Line Railroad bonds, . 
Denver, So. Park and Pacific R.R. bonds, 
St. Louis, Hannibal and Keok. R.R. bonds 
Lebanon Springs Railroad bonds, 



Cost value. 

|25,000 00 

4,000 00 

75,000 00 

97,500 00 

100,000 00 

24,375 00 

11,000 00 

11,700 00 

30,000 00 

17,100 00 

11,550 00 

30,000 00 

20,900 00 

24,750 00 

20,000 00 

50,000 00 

515 00 

1,975 00 

13,850 00 

9,930 00 

5,120 00 

1,924 00 

10,000 00 

2,586 00 

3,455 50 

1,522 50 

2,625 00 

1,844 57 

3,500 00 

5,454 50 

30,026 25 

21,000 00 

6,800 00 

7,000 00 

81,294 02 

24,823 49 

105,895 00 

50,000 00 

80,000 00 

78,250 20 

30,000 00 

45,750 00 

45,400 00 

2,800 00 

29,500 00 

10,000 00 

48,000 00 



Market value. 

$28,750 00 

4,320 00 

78,000 00 

109,000 00 

104,000 00 

26,250 00 

11,550 00 

12,600 00 

31,500 00 

19,950 00 

12,600 00 

31,500 00 

24,200 00 

26,250 00 

21,000 CO 

50,000 00 

650 00 

3,440 00 

19,840 00 

13,365 00 

5,600 00 

2,125 00 

12,500 00 

3,960 00 

4,590 00 

1,785 00 

2,700 00 

2,040 00 

4,130 00 

6,384 00 

36,855 00 

25,600 00 

8,000 00 

6,778 00 

102,600 00 

27,820 00 

113,400 00 

63,250 00 

89,220 00 

79,000 00 

34,200 00 

46,440 00 

43,200 00 

2,940 00 

30,000 00 

10,000 00 

50,000 00 



1882.] 



INSURANCE COMPANIES. 



17 



St. Johnsbury and L. Champ. R.R. bonds 
Buffalo, N. Y. and Phila. Railroad bonds 
700 shares Boston and Albany Railroad, 
100 " N. Y., N. H and Hartford R.R. 
700 " N. Y. Central and H. R. R.R. 
800 " Union Pacific Railroad, . 
800 " Lake Shore and Mich. So. R.R. 
500 " Albany and Susq. Railroad, 
200 " Chic, R. I. and Pac. Railroad, 
70 " Burl., Ced. Rap. and No. R.R , 
75 " Kas. and Neb. Railroad, . 
110 " Chic, Burl, and Q. Railroad, 
700 " Western Union Tel. Co., . 



Cost value. 

$30,000 00 

6,480 00 

95,176 38 

15.324 50 
92,025 00 
95,350 00 

92.325 00 
63,112 50 

8,925 00 

2,200 00 

1,000 00 

13,795 33 

54,500 00 



Market value. 

$32,400 00 

6,480 00 

121,800 00 

17,700 00 

88,900 00 

82,000 00 

91,200 00 

63,000 00 

25,400 00 

5,792 50 

825 00 

13,530 00 

57,225 00 



,985,871 74 $2,155,634 50 



NEW ENGLAND MUTUAL LIFE INSURANCE COMPANY OF 

BOSTON. 

[Incorporated April 1, 1835. Commenced business Dec. 1, 1843.] 

Benjamin F. Stevens, President. Joseph M. Gibbens, Secretary. 



Income. 

Total premium income, 

Cash received for interest on stocks, bonds and loans, 

for interest on other debts due the company 
for rents of company's property, 
for profit and loss account, 



Total income, 
Net or ledger assets Dec. 31, 1881, 



Total, $17,058,083 09 



$1,824,587 77 

699,170 27 

41,380 71 

68,980 80 

20,487 56 

$2,654,607 11 
14,403,475 98 



Disbursements. 

Cash paid for losses and additions, 

Premium notes or loans used in payment of same, . 
Cash paid for matured endowments and additions, . 
Premium notes or loans used in payment of same, . 

Gross amount paid for losses and endowments, 

Cash paid for surrendered policies, 

Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, 

Cash distributions paid policy-holders, applied in payment 

of premiums, ' . 

Premium notes or loans used in payment of distributions, 

Total paid policy-holders, 



7,718 40 

37,150 60 

308,817 91 

25,096 09 

$1,338,783 00 
80,986 26 

53,514 41 

457,595 74 
59,308 25 

$1,990,187 66 



18 



MASSACHUSETTS LIFE [Dec. 31, 



Cash paid for commissions to agents, 
for medical examiner's fees, 
for salaries of officers and office employes, 

for taxes and fees, 

for advertising, . . 

for incidentals, 

for interest, 

Total disbursements, 

Balance, 



$130,305 66 
9,347 00 
82,412 91 
21,852 95 
11,402 76 
99,782 41 
2,399 85 

$2,350,691 20 

$14,707,391 89 



Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of real estate, 

Loans on mortgage of real estate (first liens),, 
on collateral secuiity (schedule A), 
on company's policies assigned as collateral, 
Premium notes or loans on policies in force, 
Cost value of stocks and bonds owned (schedule B), 

Cash deposited in bank, 

Quarterly and semi-annual premium notes, 

Ledger assets (as per balance), 



$1,342,637 50 

2,319,998 00 

950,931 25 

4,000 00 

1,054,698 34 

8,231,194 18 

577,543 99 

226,388 63 

$14,707,391 89 



Other Assets. 

Interest due and accrued, 

Rents due and accrued, ....... 

Market value of stocks and bonds, over cost, . 
Uncollected premiums on policies in fjrce, $128,191 55 
Deduct loading (20 per cent.), . . . 25,638 31 
Net am't uncollected and deferred prems., 



Total assets per company's books, 



180,741 04 

12,109 05 

1,416,567 32 



102,553 24 



. $16,419,362 54 



Liabilities. 
Computed premium reserve or net present value of all 

outstanding policies (Actuaries 1 4 per cent.), . . $13,593,315 00 
Death losses unpaid, . .... $124,62600 
Matured endowments unpaid, . . . 16,333 00 

Total policy claims, 140,959 00 

Unpaid .dividends of surplus due policy-holders, . . 78,765 06 



Liabilities as to polic} 7 -holders, 
Surplus as regards policy-holders, 

Gross liabilities, . 



. $1 2,813, 039 06 
. 2,606,323 48 

. $16,419,362 54 



1882.] 



INSURANCE COMPANIES. 



19 



Premium Note Account. 



Premium notes on hand Dec. 31, 1881, 
received during 1882, 

Total, 

Used in payment of losses and claims, 

of surrendered policies 
and voided by lapse, . 
of dividends to policy- 
holders, 
Redeemed by maker in cash, 

Total, 

Balance note assets Dec. 31, 1882, 



,377,416 63 
422,059 86 

$62,246 69 

53,514 41 

59,308 25 
343,320 17 



■,799,476 49 



518,389 52 



. $1,281,086 97 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 18 SI. 

Number. Amount. 

Whole-life policies, 13,446 $42,241,978 00 

Endowment policies, 3,696 9,666,893 00 

All other policies, ...... 2,258 5,891,709 00 



New Policies issued in 1882. 



Whole-life policies, . 
Endowment policies, . 
All other policies, 



864 


2,916,783 00 


1,097 


2,887,373 00 


22 


82,436 00 



Old Policies revived during the Year. 

Whole-life policies, 67 

Endowment policies, 35 

All other policies, 2 



200,600 00 

102,100 00 

1,000 00 



Total number and amount, 



21,487 $63,990,872 00 



Policies ceased to be in Force during the Year 




Number. 


Amount. 


Terminated by death, ...... 293 


$997,828 00 


by maturity, . , . . . . 176 


346,358 00 


by expiry, 171 


393,264 00 


by lapse, 619 


1,695,486 00 


by surrender, . . . . . . 134 


455,772 00 


by change and decrease, ... 16 


88,500 00 




715,927 00 



Total terminated, 



1,632 $1,693,135 00 



20 



MASSACHUSETTS LIFE 



[Dec. 31. 



Policies in Force Dec. 31, 1882. 

Number. 



Amount. 



Whole-life policies, 
Endowment policies, 
All other policies, 



13,408 $42,246,461 00 
4,360 11,549,395 00 
2,086 5,501,881 00 



Totals, 19,854 $59,297,737 00 



Schedule A. 

Securities held as Collateral. 

Market value 

150 shares Worcester National Bank, 

United States bonds, 

20 shares Boston Safe Dep. Co., 

14 certificates Huntington Avenue lands, 

United States bonds, . 

300 shares Atch., Top. and Santa Fe R.R. 

300 " Third National Bank, 

Life policy assigned, .... 

600 shares Proprietors Revere House st'ck 

750 " Atch., Top. and Santa Fe R.R. 

12 " Tremont National Bank, . 
Atch., Topeka and Santa Fe R.R. bonds, 
2 certificates Huntington Avenue lands, 
1,450 shares Atch., Top. and Santa Fe R.R. 
Atch., Topeka and Santa Fe R.R. bonds, 
11 certificates Huntington Avenue lands, 
350 shares Iowa Railroad Land Co., 
350 " Cedar Rapids & Mo. Riv. R.R. 
300 " Union Pacific Railroad, . 
Atch, Col. and Pac. Railroad bonds, . 
150 shares National Bank of Commerce, 
200 " Continental National Bank, 
152 " Chic, Burl, and Quincy R.R., 
100 " Fitchburg Railroad, . 
100 " Chic, Burl, and Quincy R.R., 
United States bonds, .... 
United States bonds, .... 
170 shares Glendon Iron Co., 
Ottawa and Burlington Railroad bonds, 
500 shares Union Pacific Railroad, . 



109 " Glendon Iron Co., . 

150 " Atch., Top. and Santa Fe R.R, 

10 " Chic , Burl, and Quincy R.R., 

150 " Atch., Top. and Santa Fe R.R 

120 " Roxbury Gas Light Co., . 

100 " Union Pacific Railroad, . 

100 " Chic, Burl, and Quincy R.R., 

546 " Union Pacific Railroad, . 



|19,050 00 
4,015 00 
2,300 00 
56,000 00 
1,190 00 
25,725 00 
29,100 00 
4,764 00 
78,000 00 
64,312 50 
1,392 00 
11,400 00 
8,000 00 
124,337 50 
162,000 00 
44,000 00 
12,950 00 
36,750 00 
30,712 50 
38,700 00 
17,700 00 
23,000 00 
18,620 00 
12,500 00 
12,250 00 
2,855 00 
1,130 00 
16,150 00 
49,500 00 
61,425 00 
10,355 00 
12,862 50 
1,225 00 
12,862 50 
20,400 00 
10,237 50 
12,250 00 
55,896 75 



Amount loaned. 

$15,000 00 
5,500 00 

• 42,000 00 

1,000 00 

20,000 00 

30,000 00 

50,000 00 

42,731 25 

1,000 00 

10,000 00 

6,000 00 

100,000 00 

100,000 00 

21,000 00 



[> 100,000 00 

I 

J 

35,000 00 
25,000 00 

11,800 00 

900 00 
50,000 00 

50,000 00 

6,000 00 

10,000 00 

1,000 00 

8,000 00 

32,000 00 

50,000 00 



1882.] 



INSURANCE COMPANIES. 



21 



3 shares " Fifty Associates," . 

100 " Atch., Top. and Santa Fe R.R. 

Atlantic Mutual Ins. Co. scrip, . 

1,000 sh's' Union Pacific Railroad, 

80 " Nat'l B'k of the Commonwealth 
60 " American Loan and Trust Co. 

Iowa Falls and Sioux City R.R. bonds, 

United States bonds, .... 



Market value. 

$6,000 00 
8,575 00 

22,140 00 
102,375 00 
9,000 00 
6,180 00 
1,200 00 
2,380 00 



} 



Amount loaned. 

$5,000 00 

7,000 00 

20,000 00 

80,000 00 

12,000 00 

1,000 00 
2,000 00 



$1,263,767 75 $950,931 25 



Schedule B. 

Stocks and Bonds owned by the Company. 

Cost value. Market value 

72 shares Atlantic National Bank, . $7,101 00 $10,728 00 

100 " Bay State National Bank, . 7,500 00 9,000 00 

333 " Boston National Bank, . . 33,300 00 39,647 00 

100 " Continental National Bank, . 10,000 00 11,500 00 

50 " First Nat'l Bank, Cambridge, 5,000 00 8,300 00 

21 " Massachusetts National Bank, 5,250 00 5,880 00 

91 " Merchants' National Bank, . 9,100 00 12,376 00 

107 " National City Bank of Lynn, 10,716 67 17,120 00 

150 " National Revere Bank, . . 15,000 00 17,100 00 

150 " Nat'l Hide and Leather Bank, 15,000 00 16,425 00 

240 " Eagle National Bank, . . 24,000 00 26,400 00 

120 " State National Bank, . . 10,273 10 14,940 00 

320 " Tremont National Bank, . 31,951 25 36,800 00 

200 " National Webster Bank, . 20,000 00 21,600 00 

375 " Boston Safe Dep. and T. Co., . 37,500 00 43,125 00 

250 " Merchandise National Bank, 25,000 00 24,500 00 

100 " Third National Bank, . . 10,000 00 9,700 00 

100 " Globe National Bank, . . 10,000 CO 10,700 00 

744 " Boston and Albany Railroad, 74,400 00 129,084 00 

300 " Boston and Providence R R., 29,950 00 49,500 00 

1,162 " Chic, Burl, and Quincy R.R., 116,132 77 142,345 00 

800 " Conn, and Passumpsic R.R., . 36,000 00 72,000 00 

150 " Fitchburg Railroad, . . 14,752 00 18,825 00 

150 " New York and N. H. R.R., . 15,000 00 27,750 00 

850 " Norwich and Worcester R.R., 84,925 25 136,000 00 

100 " Northern Railroad, . . 10,000 00 10,800 00 

200 " Connecticut River Railroad, . 20,000 00 32,000 00 

266 " Chicago and Alton Railroad, 26,600 00 35,910 00 

200 " Port., Saco and Ports. R.R. . 20,000 00 22,600 00 

105 " Eastern Railroad of N. H., . 3,150 00 9,345 00 

Eastern Railroad bonds, .... 145,332 78 301,125 00 

Phila., Wil. and Baltimore R.R. bonds, . 193,871 67 214,720 00 

Agricultural Branch Railroad bonds, . 14,895 00 18,180 00 

Michigan Central Railroad bonds, . . 73,000 00 82,672 50 



22 



MASSACHUSETTS LIFE 



[Dec. 31, 



Boston, Concord and Montreal R.R. b'ds, 

Chicago, Burl, and Quincy R 11. bonds, 

Worcester and Nashua Railroad bonds, 

New Haven and Derby Railroad bonds, 

Nashua and Rochester Railroad bonds, 

Albany city loan, 

Boston city loan, 

Charleston n city loan, 

Chicago sewerage loan, 

New Hampshire state loan, 

Hartford city loan, 

Chelsea city loan, 

Lawrence city loan, . 

Lynn city loan, . 

Massachusetts state loan, . 

Rhode Island state loan, . 

Cincinnati city loan, . 

Beverly town loan, . 

Worcester water loan, 

Lowell city loan, 

Brookline town loan, 

Somerville city loan, 

Fitchburg city loan, 

Springfield city loan, 

Providence city loan, 

Loan to Providence and Worcester R.R., 

Norwich loan, . 

Meriden loan, 

Fall River loan, . 

Cambridge loan, 

Maine loan, 

Holyoke loan, 

Newton loan, 

Haverhill loan, . 

New York loan, . 

New England Mort. Security Co. bonds, 

New Bedford loan, 

Salem loan, 

Taunton loan, 

Norwalk loan, . 

Lewiston loan, . 
Pawtucket loan, . 
Boston and Lowell Railroad loan, 
Loan to Mass. Loan and Trust Co., 
to " Fifty Associates, 1 ' 
to Fitchburg Railroad, 
to Boston and Maine Railroad, 
to Boston, Concord and Mont'l R.R. 



Cost value. 

$500,000 00 
120,000 00 
75,000 CO 
14,250 00 
116,191 66 
23,256 00 
715,736 12 
75,000 00 
70,350 00 
26,000 00 
100,000 00 
.211,504: 17 
. 186,210 83 
226,000 00 
99,172 35 
50,000 00 
95,000 00 
140,000 00 
110,000 00 
56,533 33 
425,400 00 
10,000 00 
125,485 17 
126,000 00 
146,403 06 
100,000 00 
94,000 00 
100,000 00 
203,000 00 
2,000 00 
11,500 00 
5,000 00 
70,000 00 
5,000 00 
300,000 00 
100,000 00 
10,000 00 
10,000 00 
39,000 00 
50,000 00 
100,000 00 
150,000 00 
50,000 00 
150,000 00 
175,000 00 
200,000 00 
200,000 00 
20,000 00 



Market value. 

$563,750 00 
148,680 00 
76,125 00 
17,700 00 
125,000 00 
28,800 00 
807,470 00 
75,000 00 
90,000 00 
31,460 00 
118,000 00 
259,400 00 
223,420 00 
255,460 00 
117,390 00 
58,000 00 
119,100 00 
145,100 00 
123,750 00 
64,980 00 
469,144 00 
10,400 00 
158,050 00 
170,100 00 
166,420 00 
100,250 00 
120,820 00 
116,000 00 
238,000 00 
"2,000 00 
12,410 00 
6,250 00 
87,500 00 
5,700 00 
354,000 00 
107,000 00 
11,500 00 
11,500 00 
47,190 00 
53,500 00 
111,000 00 
166,500 00 
50,000 00 
150,000 00 
175,000 00 
200,000 00 
200,000 00 
20,000 00 



1882.] 



INSURANCE COMPANIES. 



23 



55 shares Boston Gas-Light Company, 
5 " D wight Manufacturing Co., 
5 " Massachusetts Cotton Mills, 

United States bonds, .... 



Cost value. 

$27,500 00 
5,000 00 
5,000 00 



Market value. 

$44,550 00 
3,575 00 
6,625 00 



1,041,000 00 1,185,495 00 



,231,194 18 $9,647,761 50 



STATE MUTUAL LIFE ASSURANCE COMPANY OF 
WORCESTER. 

[Incorporated March 16, 1844. Commenced business June 1, 1845.] 

A. G. Bullock, President. Clarendon Harris, Secretary. 



Income. 

Total premium income, 

Cash received for interest on stocks, bonds and loans, 

Total income, 

Net or ledger assets Dec. 31, 1881, .... 

Total, 



$382,870 83 
118,197 56 

$501,068 39 
2,711,259 27 

13,212,327 QQ 



Disbursements. 

Cash paid for losses and additions, $109,104 98 

for matured endowments and additions, . . 61,875 00 

Gross amount paid for'losses and endowments, . $170,979 98 

Cash paid for surrendered policies, 9,334 79 

dividends paid policy-holders, applied in payment of 

premiums, . . . . . . . 81,217 73 

Total paid policy-holders, $261,532 50 

Cash paid for commissions to agents, .... 44,643 81 

for salaries and travelling expenses of agents, 11,915 86 

for medical examiner's fees, .... 2,533 00 

for salaries of officers and office employes, . 14,363 17 

for taxes and fees, . . . . . 5,591 44 

for furniture and incidentals, .... 2,873 92 

Total disbursements, $343,453 70 



Balance, 



$2,808,873 9Q 



24 



MASSACHUSETTS LIFE 



[Dec. 31 



Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of real estate, ...... 

Loans on mortgage of real estate (first liens), 

on collateral security (schedule A), 
Premium notes or loans on policies in force, . 
Cost value of stocks and bonds owned (schedule B), 
Cash deposited in bank, 

Ledger assets (as per balance), 



$50,000 00 

183,589 75 

1,900 00 

32,174 93 

2,534,905 45 

66,303 83 

$2,868,873 96 



Other Assets. 

Interest due and accrued, 

Market value of stocks and bonds, over cost, . 

Total assets per company's books, 



30,000 00 
200,374 55 

$3,099,248 51 



Liabilities. 

Computed premium reserve or net present value of all 
outstanding policies (Actuaries' 4 per cent.), . . $2,418,561 00 

Death losses and matured endowments in 

process of adjustment, .... $21,000 00 

Claims resisted by the company, . . 10,000 00 

Total policy claims, .... 31,00000 

Unpaid dividends of surplus due policy-holders, . . 3,243 43 



Liabilities as to policy-holders, . 
Surplus as regards policy-holders, . 

Gross liabilities, .... 



$2,452,804 43 
646,444 08 

$3,099,248 51 



Premium Note Account. 



Premium notes on hand, Dec. 31, 1881, 
received during 1882, 
Total, ...... 

Redeemed by maker in cash, 

Balance note assets Dec. 31, 1882, 



$25,679 63 
56,390 00 



$82,069 63 
49,894 70 



,32,174 93 



Exhibit oe Policies. 

Policies and Additions in Force Dec. 31, 18 SI. 

Number. Amount. 

Whole-life policies, . . . . . . 3,794 $8,375,350 00 

Endowment policies, 1,069 2,358,060 00 

Reversionary additions, - 164,265 00 



1882.] 



INSURANCE COMPANIES. 

New Policies issued in 1882. 



Whole-life policies, 

Endowment policies, .... 

Whole life policies revived during the year, 

Total number and amount, 



25 



. 249 $757,500 00 

. 314 898,200 00 

3 2,500 00 



5,429 $12,555,875 00 



Policies ceased lo be in Force during the year. 

Terminated by death, 

by maturity, . 

by expiry, 

by lapse, 

by change and decrease, 
Not taken, 



Number. 


Amount. 


. 47 


$96,305 00 


. 35 


61,875 00 


. 30 


65,150 00 


. 149 


293,000 00 




19,200 00 


3 


4,000 00 



Total terminated, 



. 264 $539,530 00 



Policies in Force Dec. 31, 1882. 



W r hole-life policies, . 
Endowment policies, 
Reversionary additions, . 

Totals, 



Number. Amount. 

3,874 $8,775,030 00 

1,291 3,079,995 00 

161,320 00 



5,165 $12,016,345 00 



Schedule A. 

Securities held as Collateral. 

Market value. 

19 shares Quinsigamond National Bank, . $2,185 00 



Amount loaned. 

§1,900 00 



SCHEDULE B. 

Stocks and Bonds owned by the Company. 

Cost value. Market value. 

United States bonds, $500,485 46 $544,600 00 

Boston and Albany Railroad bonds, . . 125,365 00 142,780 00 

Worcester and Nashua Railroad bonds, . 101,500 00 100,000 00 

Prov. and Worcester R.R. bonds and notes, 331,000 00 361,000 00 

Fitchburg and Worcester R.R. bonds, . 123,625 00 122,700 00 

Portland city bonds, . . . . . 28,841 49 34,600 00 

Springfield city bonds, .... 128,445 00 157,800 00 

Cambridge city bonds, .... 14,642 50 15,000 00 

Meriden city bonds, 42,785 00 45,680 00 

Bangor city bonds, 26,375 00 30,750 00 

Lawrence city bonds, . . . . 75,000 00 ' 86,500 00 

Newton city bonds, 26,750 00 31,875 00 

Newburyport city bonds, .... 6,300 00 6,810 00 



26 



MASSACHUSETTS LIFE 



[Dec. 31, 



Lowell city bonds, 

Portsmouth city bonds, 

Dover city bonds, 

Worcester city bonds, 

Providence city bonds, 

Boston city bonds, 

Lynn city bonds, 

Northampton town bonds, 

Holyoke town bonds, 

Pawtucket town bonds, 

Brookline town bonds, 

Upton town bonds, 

Amesbury town bonds, 

Medway town bonds, 

Winthrop town bonds, 

West Springfield town bonds, 

Berlin town bonds, 

Grafton town bonds, . 

Rutland town bonds, . 

Guilford town bonds, 

Clinton town bonds, . 

Lowell town bonds, . 

Beverly town bonds, . 

Cincinnati city bonds, 

St. Paul city bonds, . 

District of Columbia bonds, 

Newark city bonds, . 

100 shares Third National Bank 
50 " Westminster National Bank, 
20 " Northborough National Bank, 
25 " Wachusett National Bank, 
50 " Leicester National Bank, . 
80 " Millbury National Bank, . 
79 " Grafton National Bank, . 
40 " City National Bank, . 

187 " Quinsigamond National Bank 
35 " Worcester National Bank, 
25 " Central National Bank, . 

100 " Continental National Bank, 
67 " Shawm ut National Bank, 

167 " Howard National Bank, 
50 " First National Bank, 
25 " Suffolk National Bank, 
40 " Eliot National Bank, 
67 " Revere National Bank, 
75 " Republic National Bank, 

115 " Redemption National Bank, 

100 " Trcmont National Bank, . 



Cost value. 

$10,500 00 

19,260 00 

24,610 00 

86,600 00 

25,875 00 

75,125 00 

35,500 00 

23,500 00 

11,200 00 

26,750 00 

20,000 00 

2,160 00 

10,400 00 

8,350 00 

10,200 00 

12,625 00 

10,000 00 

10,000 00 

6,000 00 

7,500 00 

41,400 00 

52,000 00 

51,375 00 

9,640 00 

50,500 00 

30,887 50 

57,500 00 

10,000 00 

5,000 00 

2,000 00 

2,500 00 

5,525 00 

8,000 00 

7,900 00 

4,000 00 

18,790 00 

4,900 00 

2,500 00 

10,012 50 

6,725 00 

17,115 50 

5,000 00 

3,350 00 

4,075 50 

6,756 25 

7,562 50 

15,985 00 

13,300 00 



Market value. 

$11,400 00 

21,060 00 

26,220 00 

88,000 00 

26,500 00 

78,750 00 

36,500 00 

28,750 00 

11,500 00 

27,500 00 

20,000 00 

2,000 00 

10,000 00 

8,160 00 

10,550 00 

13,125 00 

10,400 00 

10,200 00 

6,000 00 

7,500 00 

40,800 00 

51,750 00 

51,750 00 

9,360 00 

51,750 00 

30,300 00 

57,500 00 

17,500 00 

5,000 00 

2,460 00 

4,750 00 

6,000 00 

10,640 00 

9,875 00 

4,800 00 

23,188 00 

4,550 00 

3,500 00 

11,500 00 

7,370 00 

20 v 040 00 

9,900 00 

2,975 00 

4,760 00 

7,638 00 

9,375 00 

14,720 00 

11,500 00 



1882.] 



INSURANCE COMPANIES. 



27 



50 shares Webster National Bank, . 
112 " Hide and Leather Nat'l Bank, 
195 " Atlantic National Bank, . 
90 " Adams National Bank, . 
5 " First Nat'l Bank, Westboro', 
Loan to American Trust Co., 

to Westminster National Bank, 
to Wachusett National Bank, . 
Providence and Worcester R.R. stock, 



Cost value. 

$5,275 00 
11,575 00 
24,723 75 
13,122 50 
540 00 
25,000 00 
10,000 00 
10,000 00 
13,100 00 



Market value 

$5,400 00 
12,264 00 
2-9,055 00 
10,800 00 
600 00 
25,000 00 
10,000 00 
10,000 00 
12,700 00 



$2,534,905 45 $2,735,280 00 



LIFE INSURANCE COMPANIES 

OF OTHEE STATES. 



Detailed Statements of Assets and Liabilities, with Abstract 

of Annual Statements for the Year ending 

December 31, 1882. 



30 



LIFE INSUBANCE COMPANIES [Dec. 31, 



DETAILED STATEMENTS OF ASSETS AND LIABILITIES. 



^ETNA LIFE INSURANCE COMPANY OF HARTFORD, CONN. 

[Incorporated 1820. Commenced business 1850.] 

Paid-up Capital, $750,000. 

Morgan G. Bulkeley, President. J. L. English, Secretary. 



Income. 

Total premium income, $2,519,437 55 

Cash received for interest on stocks, bonds and loans, . 1,397,369 27 

for interest on other debts due the company, 108,265 33 

as discount on claims paid in advance, . 8,154 32 



Total income, . 
Net or ledger assets Dec. 31, 1881, 



. $4,033,226 47 
. 25,777,707 99 



Total $29,810,934 46 



Disbursements. 
Cash paid for losses and additions, .... 
Premium notes or loans used in payment of same, . 
Cash paid for matured endowments and additions, . 
Premium notes or loans used in payment of same, . 

Gross amount paid for losses and endowments, 
Received for losses and claims on policies re-insured, 

Net amount paid for losses and endowments, . 
Cash paid for surrendered policies, .... 
Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, .... 

Cash surrender values, including reconverted additions 

applied in payment of premiums, . 
Cash dividends paid policy-holders, applied in payment 

of premiums, . . . • 

Premium notes or loans used in payment of dividends, 

Total paid policy-holders, 



$1,071,216 61 

73,799 24 

589,235 09 

34,257 38 

$1,768,508 32 
38,079 00 

$1,730,429 32 
37,458 33 

38,855 83 

147,952 58 

355,425 92 
150,818 02 

$2,460,940 00 



1882.] 



OF OTHER STATES. 



31 



Cash paid for dividends to stockholders, . 

for commissions to agents, .... 
for salaries and travelling expenses of agents, 
for medical examiner's fees, . 
for salaries of officers and office employes, 

for taxes and fees, 

for rent, 

for furniture and office fixtures, 

for advertising, ....... 

for incidentals, 

Total disbursements, 



$75,000 00 

245,838 05 

16,845 71 

17,638 30 

77,347 01 

97,426 89 

9,059 24 

242 25 

7,819 16 

46,708 29 

$3,054,864 90 



Balance, 



$26,756,069 56 



Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 
Premium notes or loans on policies in force, . 
Cost value of stocks and bonds owned (schedule B), 
Cash in company's office, ...... 

deposited in bank, ...... 

Bills receivable, 

Agents' ledger balances, 

Ledger assets (as per balance), 

Other Assets. 

Interest due and accrued, 

Market value of stocks and bonds over cost, . 
Uncollected premiums on policies in force, $92,424 11 
Deferred premiums on policies in force, . 127,516 93 



$459,486 88 

11,390,681 18 

571,618 06 

217,635 36 

2,297,531 94 

8,998,702 97 

36,648 96 

2,742,894 45 

21,859 42 

19,010 34 



$26,750,069 56 



409,461 26 
717,414 93 



Total, $219,941 04 

Deduct loading (20 per cent.), . . . 43,988 20 
Net am't uncollected and deferred prems., 



175,952 84 



Total assets per company's books, 



. $28,058,898 59 



Items not Admitted. 



Agents' balances, 

Bills receivable, 

Total, . 



010 34 
21,859 42 



40,869 76 



Total admitted assets, 



|2S,018,028 83 



32 LIFE INSURANCE COMPANIES [Dec. 31, 

Liabilities. 
Computed premium reserve or net present value of all 

outstanding policies (Actuaries' 4 per cent.), • • $23,202,777 00 
Deduct net value of re-insured risks, .... 61,63400 



Net re-insurance reserve, f 23,141,143 00 

Death losses due and unpaid, . . . $62,876 40 
Matured endowments due and unpaid, . 29,702 00 

Death losses and matured endowments in 

process of adjustment, .... 204,052 00 
Claims resisted b} T the company, . . 51,586 37 

Total policy claims, .... 348,216 77 

Unpaid dividends of surplus due policy-holders, . . 55,875 12 

Due for premiums paid in advance, 3,006 92 



Liabilities as to policy-holders, $23,548,241 81 

Surplus as regards special policy-holders, $295,000 00 
as regards general policy-holders, 4,174,787 02 
Gross surplus as regards policy-holders, 4,469,787 02 



Gross liabilities, . $28,018,028 83 

Premium Note Account. 

Premium notes on hand, Dec. 31, 1881, . $2,460,424 74 

received during 1882, . 139,352 66 

Total, $2,599,777 40 

Used in payment of losses and claims, . $108,056 62 
of surrendered policies, 

and voided by lapse, . 38,855 83 
of dividends to policy- 
holders, . . . 150,818 02 
Redeemed by maker in cash, . . . 17,147 97 

Total, 314,878 44 



Balance note assets Dec. 31, 1882, .... $2,284,898 96 

Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1881. 

Number. Amount. 

Whole-life policies, ...... 36,193 $53,195,163 00 

Endowment policies 17,960 18,605,761 00 

All other policies, . . . . . . 3,474 7,971,50100 

New Policies issued in 1882. 

Whole-life policies, 2,059 3,629,932 00 

Endowment policies, 2,179 3,618,987 00 

All other policies, . . . . . . 953 2,276,146 00 



1882.] 



OF OTHER STATES. 



33 



Whole-life policies, . 
Endowment policies, 
All other policies, 

Total number and amount, 



Old Policies revived during the Year. 

Number. 
1 

3 

9 



Policies ceased to be in Force during the Year 

Terminated by death, 

by maturity, . 
by expiry, . 
by surrender, 
by lapse, 



Not taken, 



Amount. 

$38,701 00 

10,670 00 
20,200 00 



62,831 


$89,367,061 00 


the Year. 


Number. 


Amount. 


. 680 


$1,228,741 00 


. 719 


610,908 00 


. 61 


128,000 00 


. 601 


1,147,983 00 


. 878 


1,925,498 00 


. 763 


1,397,071 00 



Total terminated, 



3,702 $6,438,201 00 



Policies in Force Dec. 31, 1882. 

Number. 



Amount. 



Whole-life policies, . 
Endowment policies, 
All other policies, 

Totals, 



36,722 $53,689,763 00 

18,603 20,354,664 00 

3,804 8,884,433 00 



59,129 $82,928,860 00 



Schedule A. 
Securities held as Collateral. 

Market value. 

75 shares United States Bank, 



300 " Willimantic Linen Co., . 
80 " iEtna Fire Insurance Co., 
25 " Hartford Carpet Company, 

100 " Hartford City Coal and Salt Co 
13 " United States Bank, 
44 " iEtna Fire Insurance Co., 

400 " Willimantic Linen Co., . 
50 " Hartford Carpet Co., 
40 " iEtna Fire Insurance Co., 

150 " United States Bank, 
25 " iEtna Fire Insurance Co., 
54 " iEtna Fire Insurance Co., 
30 " Hartford Carpet Co., 

100 " iEtna Fire Insurance Co., 

Town of Dayton bonds, 

Mt. Pulaski bonds, .... 

City of Beardstown bonds, 



$9,375 00^ 
23,700 00 
18,800 00 
6,000 00 \ 
2,000 00 
1,625 00 
10,340 00 J 
31,600 00^ 
12,000 00 J 
9,400 00 } 
18,750 00 
5,875 00 J 
12,690 00 >» 
7,200 00 I 
23,500 00 J 
1,000 00 >j 
1,000 00 I 
1,500 00 J 



Amount loaned. 



$47,700 00 



58,363 31 



21,400 00 



2,680 00 



34 



LIFE INSURANCE COMPANIES [Dec. 31, 



85 shares Union Salt Co., 

50 " United States Bank, 

10 " Orient Fire Insurance Co., 

16 " Cent'l Nat'l B'k, Middletown 

77 " N. Y., N. H. and Hart. R.R., 

79 " Travelers' Insurance Co., 
101 " iEtna Fire Insurance Co., 

55 " iEtna Fire Insurance Co., 

27 " .iEtna Fire Insurance Co., 

1,300 " Wheeler & Wilson M'f'g Co. 

100 " Orient Fire Insurance Co., 

80 " Connecticut Fire Ins. Co., 
Little Rock and Miss. Riv. and Texas R.R 
40 shares Hartford Carpet Co., . 
Syracuse Coal and Salt Co., 

330 shares Hartford City Gas Light Co., 
162 " iEtna Fire Insurance Co., 
30 " iEtna Fire Insurance Co., 
47 " Phoenix Fire Insurance Co., 
200 " Stanley Rule and Level Co., 
195 " Willimantic Linen Co., . 
25 " Hartford Carpet Co., 
140 " Willimantic Linen Co., . 
Pittsburgh and Western R.R. bonds, 
233 shares Willimantic Linen Co., . 
500 " Southern N. E. Telephone Co 
100 " Meriden Britannia Co., 
80 " Peck, Stow & Wilcox Co., 
10 " Phoenix Fire Insurance Co., 
520 " Sandusky Gas Light Co., 



} 



Market value. 

$34,000 00 

6,250 00 

1,020 00 

1,600 00 

12,705 00 

19,750 00 

23,735 00 

12,925 00 

6,345 00 

97,500 00 

10,200 00 

9,200 00 

13,000 00 

9,600 00 

1,000 00 

9,570 00 

38,070 00 

7,050 00 

9,400 00 

10,000 00 

15,405 00 

6,000 00 

11,060 .00 J 

150,000 00 

18,707 00 

62,500 00 

10,000 00 

6,000 00 

2,000 00 

26,000 00 



Amount loaned. 

$25,000 00 
4,000 00 

1,200 00 

7,850 00 

11,000 00 

16,500 00 

74,000 00 
16,000 00 

8,000 00 
9,000 00 

6,000 00 
25,000 00 



J> 46,000 00 



120,000 00 
14,188 75 
25,000 00 

12,000 00 

736 00 

20,000 00 



$836,947 00 $571,618 06 



Schedule B. 

Stocks and Bonds owned by 

235 shares Conn. River Banking Co., 

75 " Metropolitan Bank, N. Y., 

918 " Phoenix Nat'l Bank, Hartford 

400 " Mercantile Nat'l B'k, Hartf'd 

560 " City National Bank, Hartford 

750 " Hartford Nat'l B'k, Hartford 

739 " First National B'k, Hartford 

1,552 " Nat'l Exchange B'k, Hartford 

1,608 " American Nat'l B'k, Hartford 

565 " Farmers' and Mechanics' Nat' 

Bank, Hartford, . 
133 " Suffield Nat'l Bank, Suffield, 



the Company. 

Cost value. 

$20,365 00 
10,312 50 

124,285 50 
42,885 25 
60,900 75 

107,720 25 
92,060 66 
93,729 80 
93,576 87 

102,462 25 
15,100 00 



Market value. 

$11,985 00 
12,375 00 

146,880 00 
50,000 00 
50,400 00 

123,750 00 
88,680 00 

116,400 00 

112,560 00 

73,450 00 
14,630 00 



1882.] 



OF OTHER STATES. 



35 



N Cost value. Market value. 

250 shares New Britain Natf B'k, N B., $28,450 00 $81,250 00 

836 " Charter Oak Nat'l B'k, Hartf'd 97,572 25 108,680 00 

700 " JEtna National B'k, Hartford, 79,969 46 87,500 00 

200 « Hartford Trust Co., Hartford, 20,825 00 21,000 00 

50 " United States T. Co., Hartf'd, 5,262 50 6,250 00 

200 " Rockville Nat'l B'k, R'ckville, 20,000 00 23,000 00 

100 " Security Co., Hartford, . . 10,000 00 11,000 00 

United States bonds, , 952,675 00 1,067,800 00 

District of Columbia bonds, . . . 217,126 38 315,000 00 

368 shares Conn. River Railroad, . . 39,372 25 58,880 00 

84 " JEtna Fire Insurance Co., . 19,236 68 19,740 00 

978 " N. Y., N. H. and Hartford R.R., 144,145 75 161,370 00 

Indianapolis and Cincinnati R R. bonds, . 47,380 00 50,000 00 

Columbus and Indianapolis R.R. bonds, . 45,000 00 50,000 00 

Cincinnati and Indiana R.R. bonds, . . 20,675 00 24,000 00 

Clevel'd, Painesville and Ash. R.R. bonds, 13,671 25 14,000 00 

St. Johnsbury and L. Champ. R.R. bonds, 105,000 00 108,000 00 

Little Miami Railroad bonds, ... 890 00 1,000 00 

New York Central Railroad bonds, . . 3,810 00 4,000 00 

Union Pacific Railroad bonds, . . 30,690 00 34,500 00 

Harlem and Portchester Railroad bonds, . 99,500 00 125,000 00 

N. Y. Cent, and Hudson Riv\ R.R. bonds, 100,000 00 125,000 00 

121 sh's Keokuk and Des Moines R.R. st'ck, 22,033 20 18,749 00 

Cleveland and Pittsburgh Railroad bonds, 747 50 1,000 00 

Atlantic Dock bonds, .... 25,000 00 25,000 00 

Chicago, Mil. and St. Paul Railroad bonds, 25,000 00 26,500 00 

Vermont Valley Railroad bonds, . . 150,750 00 157,500 00 

Hartford and Conn. Western R.R. bonds, 300,000 00 300,000 00 

South Carolina state bonds, . . . 26,545 00 34,630 00 

Virginia state bonds, . . . . . 23,357 94 19,000 00 

Tennessee state bonds, .... 31,301 00 11,900 00 

Mississippi state bonds, .... 10,000 00 10,000 00 

Kansas state bonds, 99,750 00 110,000 00 

Richmond eity bonds, .... 20,500 00 25,500 00 

Galesburg city bonds, .... 15,145 00 14,600 00 

Mobile city bonds, 142,000 00 85,200 00 

Hartford city bonds, 368,310 00 429,150 00 

Cleveland city bonds, .... 139,230 00 169,200 00 

Louisville city bonds, .... 89,750 00 110,000 00 

Kansas city bonds, 90,500 00 105,000 00 

New Britain city bonds, .... 130,689 00 143,000 00 

Chicago water loan city bonds, . . . 50,000 00 55,000 00 

Springfield city bonds, ..... 82,40500 86,00000 

Elizabeth funded city bonds, . . . 128,580 00 57,600 00 

Grand Rapids city bonds, .... 5,581 83 10,000 00 

Hartford eity bonds, 13,710 00 14,700 00 

Peoria city bonds, 100,200 00 114,480 00 

Beardstown city bonds, ' . . . 2,980 00 5,000 00 



36 



LIFE INSURANCE COMPANIES TDec. 31, 



New Boston city bonds, 

Cleveland city bonds, 

Jersey City city bonds, 

Newark city bonds, . 

Buffalo water city bonds, 

Fort Wa3'ne city bonds, 

Indianapolis city bonds, 

Quincy city bonds, . 

Milwaukee water city bonds, 

Cincinnati city bonds, 

New York con, stock city bond 

Hartford park city bonds, 

Logansport city bonds, 

Marion city bonds, 

St. Paul city bonds, 

Webster city bonds, 

Girard city bonds, 

Lincoln city bonds, 

Creston city bonds, 

Emporia city bonds, 

Audubon city bonds, 

Peoria city bonds, 

Warren county bonds, 
Marion county bonds, 
Blackford county bonds, 

Carroll county bonds, 
Hamilton county bonds, 
Munroe county bonds, 
Ford county bonds, . 
Adams county bonds, 
Christian county bonds, 
Cook county bonds, . 
Sangamon county bonds, 
Sangamon county bonds, 
Kankakee county bonds, 
Macoupin county bonds, 
Sangamon county bonds, 
White county bonds, . 
Gallatin county bonds, 
Randolph county bonds, 
DeWitt county bonds, 
Hudson (N. J.) county bonds, 
Iroquois county bonds, 
Ramsey county bonds, 
Marion county bonds, 
Tazelwell county bonds 
Johnson county bonds, 
Moultrie county bonds, 



Cost value. 

$9,750 00 
52,390 00 
122,900 00 
172,015 00 
99,750 00 
40,305 00 
487,570 00 
37,564 00 
97,500 00 
100,000 00 
104,000 00 
1,000 00 
61,200 00 
7,142 50 
52,350 00 
24,950 00 
5,000 00 
29,500 00 
.10,000 00 
10,500 00 
5,600 00 
20,000 00 
930 00 
99,500 00 
21,000 00 
43,000 00 
7,400 00 
35,000 00 
104,000 00 
37,937 50 
30,250 00 
22,750 00 
8,500 00 
15,750 00 
24,687 50 
43,400 00 
46,000 00 
10,860 00 
10,400 00 
51,330 00 
30,850 00 
49,843 75 
31,221 50 
32,000 00 
200,250 00 
50,000 00 
85,000 00 
60,000 00 



Market value. 

$9,750 00 
57,200 00 
137,800 00 
200,100 00 
120,000 00 
51,000 00 
525,000 00 
50,000 00 
110,000 00 
125,000 00 
120,000 00 
1,000 00 
61,200 00 
7,000 00 
63,000 00 
24,950 00 
5,000 00 
30,680 00 
10,000 00 
10,500 00 
5,600 00 
20,000 00 
1,000 00 
105,000 00 
21,840 00 
45,150 00 
7,770 00 
40,000 00 
107,640 00 
50,000 00 
31,310 00 
28,750 00 
10,800 00 
16,200 00 
25,000 00 
21,500 00 
52,500 00 
12,000 00 
13,000 00 
59,000 00 
31,500 00 
54,000 00 
32,550 00 
32,000 00 
210,000 00 
52,500 00 
87,975 00 
60,000 00 



1882.] 



OF OTHER STATES. 



37 



Ellsworth county bonds, 
Monroe county bonds, 
Ida county bonds, 
Macon county bonds, . 
Harper county bonds, 
Montgomery county bonds 
Stafford county bonds, 
Washington county bonds, 
Reno county bonds, . 
Paris town bonds, 
Georgetown town bonds, 
Mt. Pulaski town bonds, 
Grant town bonds, 
Penn town bonds, 
Moline town bonds, . 
Rock Island town bonds, 
Lennox town bonds, . 
Danbury town bonds, 
Bushnell town bonds, 
Ricks town bonds, 
Mattoon town bonds, . 
Winchester town bonds, 
Galva town bonds, 
Keithsburgh town bonds, 
DeWitt town bonds, . 
Ross town bonds, 
East Windsor town bonds, 
Urbana town bonds, . 
Sprague town bonds, . 
Province Quebec, 
Bloomfield town bonds, 
Champaign town bonds, 
Worth town bonds, . 
Sangamon town bonds, 
Pleasant town bonds, . 
Boone town bonds, 
Creek town bonds, 
Augus town bonds, . 
Humeston town bonds, 
Harlan town bonds, . 
Edgeworth Village town bonds 
Tuscola town bonds, . 
Butler town bonds, 
Emmetsburg town bonds, 
Allerton town bonds, . 
Lamard town bonds, . 
Hubbard town bonds, 
Fon du Lac town bonds, 



Cost value. 

$26,000 00 

7,000 00 

20,000 00 

15,000 00 

11,500 00 

7,000 00 

5,000 00 

34,000 00 

20,500 00 

21,000 00 

30,000 00 

30,000 00 

20,453 22 

12,525 00 

19,750 00 

29,125 00 

8,400 00 

6,050 00 

40,800 00 

6,980 00 

20,250 00 

4,600 00 

14,700 00 

23,000 00 

9,950 00 

23,802 70 

29,700 00 

8,000 00 

40,133 33 

25,187 50 

40,824 00 

55,000 00 

9,000 00 

15,000 00 

35,350 00 

13,000 00 

29,000 00 

1,500 00 

3,500 00 

6,600 00 

8,000 00 

10,000 00 

25,000 00 

4,000 00 

8,000 00 

10,000 00 

3,000 00 

75,000 00 



Market value. 

$26,780 00 

7,000 00 

20,000 00 

15,375 00 

11,730 00 

7,000 00 

5,000 00 

35,020 00 

21,115 00 

21,000 00 

30,900 00 

30,000 00 

20,453 22 

13,000 00 

25,000 00 

35,000 00 

10,000 00 

7,000 00 

40,800 00 

8,000 00 

27,000 00 

5,000 00 

15,000 00 

23,000 00 

10,000 00 

23,802 70 

31,200 00 

8,000 00 

40,133 33 

26,500 (0 

40,000 00 

57,200 00 

9,000 00 

15,000 00 

35,000 00 

13,000 00 

29,000 00 

1,500 00 

3,500 00 

6,600 00 

8,000 00 

10,350 00 

25,750 00 

4,000 00 

8,000 00 

10,000 00 

3,000 00 

78,750 00 



38 



LIFE INSURANCE COMPANIES [Dec. 31, 



Sabula town bonds, . 
Lennox town bonds, . 
Lewiston town bonds, 
Creek town bonds, 
Neodesha town bonds, 
Sullivan town bonds, . 
Marcus school district bonds, 
Creston town bonds, . 
Spring Creek town bonds, . 
Paris Union town bonds, . 
Cedar Rapids town bonds, . 
Red Oak town bonds, 
Ida Grove town bonds, 
Centreville town bonds, 
Hampton town bonds, 
Union town bonds, 
Batavia town bonds, . 
Alta town bonds, 
Tipton town bonds, . 
Portland town bonds, 
Spencer town bonds, . 
Enfield town bonds, . 
Camargo town bonds, 
Garwin town bonds, . 
Fort Dodge town bonds, . 
Oxford Junction town bonds, 
Snow Hill town bonds, 
Chariton town bonds, 
Sibley town bonds, . 
Peoria town bonds, . 
Dunlap town bonds, . 
Imogene town bonds, 
Marshalltown town bonds, 
Lineville town bonds, 
Panora town bonds, . 
Saline County town bonds, 



Cost value. 

$10,000 00 

3,500 00 

45,000 00 

30,000 00 

14,500 00 

600 00 

3,000 00 

27,000 00 

5,000 00 

17,000 00 

57,000 00 

6,500 00 

17,000 00 

18,000 00 

12,500 00 

2,500 00 

10,000 00 

5,200 00 

18,000 00 

9,000 00 

4,000 00 

4,200 00 

5,000 00 

1,400 00 

5,000 00 

5,000 00 

4,200 00 

12,000 00 

2,000 00 

20,000 00 

8,000 00 

2,500 00 

15,000 00 

4,000 00 

8,500 00 

2,859 65 



Market value 

$10,000 00 

3,500 00 

46,350 00 

30,900 00 

14,645 00 

600 00 

3,000 00 

27,000 00 

5,000 00 

17,000 00 

57,000 00 

6,500 00 

17,000 00 

18,000 00 

12,500 00 

2,500 00 

10,000 00 

5,200 00 

18,000 00. 

9,000 00 

4,000 00 

4,200 00 

5,000 00 

1,400 00 

5,000 00 

5,000 00 

4,200 00 

12,000 00 

2,000 00 

20,000 00 

8,000 00 

2,500 00 

15,000 00 

4,000 00 

8,500 00 

2,859 65 



5,998,702 97 $9,716,117 90 



1882.] OF OTHER STATES. 39 



CONNECTICUT GENERAL LIFE INSURANCE COMPANY OF 

HARTFORD CONN. 

[Incorporated June 1865. Commenced business Oct. 1865.] 
Paid-up Capital $150,000. 
Thomas W. Russell, President. Frederick V. Hudson, Secretary. 

Income. 

Total premium income, $148,590 02 

Cash received for interest on stocks, bonds and loans, . 68,078 44 

for interest on other debts due the Company, 6 ,304 46 



Total income, . ' $222,972 92 

Net or ledger assets Dec. 31, 1881, 1,314,974 56 



Total, $1,537,947 48 

Disbursements. 

Cash paid for losses, $65,666 00 

Cash paid for matured endowments, • . . . 43,493 33 



Gross amount paid for losses and endowments, . $109,159 33 

Cash paid for surrendered policies, 1,637 48 

Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, 1,771 93 

Cash surrender values, applied in payment of pre- 
miums, . . . - 7,069 51 

Cash dividends paid policy-holders, $4,418.43; applied 

in payment of premiums, $2,463.94, . . . . 6,882 37 

Premium notes or loans used in payment of dividends, 2,592 91 



Total paid policy-holders, $129,113 53 

Cash paid for dividends to stockholders, . . . 12,000 00 

for commissions to agents, .... 9,617 28 

for salaries and travelling expenses of agents, 14,935 31 

for medical examiner's fees, .... 1,649 50 

for salaries of officers and office employes, . 14,447 12 

for taxes and fees, 5,224 87 

for advertising, etc., 4,734 16 

for legal expenses, 722 00 

for profit and loss, 24,086 65 



Total disbursements, $216,530 42 

Balance, .... .... $1,321,417 06 



40 



LIFE INSURANCE COMPANIES [Dec. 31, 



Invested in the following* : — 

Assets as per Ledger Accounts. 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 

on collateral security (schedule A), 
Premium notes or loans on policies in force, . 
Cost value of stocks and bonds owned (schedule B). 
Cash in company's office, .... 

deposited in bank, 

Bills receivable, 

Agents 1 ledger balances, .... 

Ledger assets (as per balance) , 

Deduct appreciation from cost of assets, . 

Total net or ledger assets, 

Other Assets. 
Interest due and accrued, .... 

Market value of stocks and bonds, over cost, . 

Uncollected premiums on policies in force, $9,046 44 

Deferred premiums on policies in force, . 15,599 47 



Total, 

Deduct loading (20 per cent.), • 

Net ain't uncollected and deferred prems. 



$24,645 91 
4,929 18 



Total assets per company's books, .... 

Items not Admitted. 
Agent's balances, $112 71 

Bills receivable, 798 37 

Total, 



Total admitted assets, 

Liabilities. 
Computed premium reserve or net present value of all 

outstanding policies (Actuaries' 4 per cent.), 
Deduct net value of re-insured risks, 

Net re-insurance reserve, . 
Matured endowments due and unpaid, . $3,237 40 

Death losses and matured endowments 

in process of adjustment, . . . 22,700 00 

Total policy claims, . 
Premiums paid in advance, 

Liabilities as to policy-holders, . 

Surplus as regards special policy-holders, $67,185 04 

general policy-holders, 219,205 61 

Gross surplus as regards policy-holders, 

Gross liabilities, . 



,911 47 

597,189 60 

2,500 00 

97,647 74 

328,121 41 

1,940 73 

11,195 03 

798 37 

112 71 



$1,321,417 06 
12,077 47 

$1,309,339 59 



22,630 39 
26,676 59 



19,716 73 
$1,378,363 30 



911 08 
$1,377,452 22 



$1,072,868 00 
8,439 00 

$1,064,429 00 



25,937 40 
695 17 

$1,091,061 57 

286,390 65 
$1,377,452 22 



1882.] 



OF OTHER STATES. 



41 



Premium Note Account. 



Premium notes on hand Dec. 31, 1881, 
received during 1882, 

Total, 

Used in payment of surrendered policies, 
and voided by lapse, . 
of dividends to policy- 
holders, 
Redeemed by maker in cash, 

Total, .' 



$103,770 91 
8,950 43 



$1,771,93 

2,592 91 
10,708 76 



$112,721 34 



Balance note assets, December 31, 1882, . 

Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1881. 

Whole-life policies, . . . 
Endowment policies, .... 
All other policies, 

New Policies issued in IS 8 2 

Whole-life policies, 

Endowment policies, 

All other policies, 

Whole-life policies revived during the year, 
Whole-life policies increased during the year, 

Total number and amount, . 

Policies ceased to be in Force during the Year 

Terminated by death, .... 
maturity, .... 
surrender, .... 
lapse, .... 

change and decrease, 
transfer, .... 



15,073 60 

$97,647 74 



Not taken, . 

Total terminated, 



Number. 


Amount. 


3,314 


$5,274,009 00 


386 


355,604 00 


45 


66,809 00 


> 

. 539 


757,466 00 


. 165 


212,900 00 


. 12 


13,227 00 


. 7 


7,000 00 


- 


1,000 00 


4,468 


$6,688,015 00 


he Year 




Number 


Amount. 


. 36 


$76,916 00 


. 121 


183,565 00 


. 13 


34,760 00 


. 252 


385,500 00 


. 


17,500 00 


1 


1,000 00 


, 101 


137,700 00 


. 524 


$836,941 00 



Policies in Force Dec. 31, 1882. 



Whole-life policies, . 
Endowment policies, 
All other policies, 

Totals, 



20 shares Phoenix Fire Insurance Co. 



Number. Amount. 

8,389 $5,263,649 00 

509 522,889 00 

46 64,536 00 



3,944 $5,851,074 00 



Schedule A. 

Securities held as Collateral. 

Market value. 

$3,800 00 



Amount loaned . 

$5,200 00 



42 



LIFE INSUKANCE COMPANIES [Dec. 31, 



Schedule B. 

Stocks and Bonds owned by 



United States bonds, . 
Connecticut state bonds, . 
Tipton county (Ind.) bonds, 
Chicago city bonds, . 
Quincy city bonds, 
Washington (Ind) bonds, . 
Evansville city bonds, 
Indianapolis city bonds, . . < 
Norwalk (Conn.) town bonds, 
Woodburn (Io.) school bonds, . 
Exira (Io.) school bonds, . 
Indianapolis and Cincinnati R. R. bonds, 
Lake Shore and Mich. Southern R.R., b'ds 
St. Johnsbury and L. Champ. R. R. b'ds, 
125 shares N. Y , N. H , and Hartf d R. R. 

16 

40 

40 
216 
104 

52 

70 
100 



17 
86 

50 
50 
30 



Shoe and Leather NatT Bank, 
Merchants 1 Exch. NatT Bank, 
Fourth National Bank, 
American National Bank, . 
Phoenix National Bank, 
Charter Oak National Bank, 
Hartford National Bank, . 
First National Bank, 
iEtna National Bank, 
Farmers' and MechV NT B'k, 
Conn. Tr. and Safe Dep. Co., 
Security Company, . 
Thames National Bank, . 
City National Bank, . 



the Company. 

Cost value. 

$29,962 50 

30,246 50 

13,016 25 

1,950 00 

12,515 00 

9,775 00 

14,425 00 

24,500 00 

47,322 50 

2,500 00 

3,000 00 

9,610 00 

5,089 38 

10,500 00 

16,793 03 

2,075 00 

2,750 00 

4,193 00 

13,538 00 

15,853 00 

6,700 00 

10,625 00 

13,978 25 

1,116 00 

3,270 00 

8,428 00 

4,750 00 

6,850 00 

2,790 00 



Market value. 

$35,700 00 

30,660 00 

13,000 00 

2,100 00 

16,000 00 

10,500 00 

15,750 00 

26,250 00 

47,380 00 

2,500 00 

3,000 00 

11,235 00 

6,765 00 

10,500 00 

21,875 00 

1,952 00 

1,920 00 

4,920 00 

15,120 00 

17,680 00 

7,280 00 

11,900 00 

11,800 00 

1,170 00 

2,295 00 

9,976 00 

5,900 00 

7,000 00 

2,670 00 



,121 41 $354,798 00 



CONNECTICUT MUTUAL LIFE INSURANCE COMPANY OF 

HARTFORD, CONN. 

[Incorporated June 15, 1846. Commenced business Dec. 15, 1846.] 

Jacob L. Greene, President. John M. Taylor, Secretary. 



Income. 

Total premium income, 11,998,029 83 

Cash received for interest on stocks, bonds and loans, . 2,041,341 83 

for interest on deposits, .... 64,439 73 

as discount on claims paid in advance, . 9,709 81 



1882.] 



OF OTHER STATES. 



43 



Cash received for rents of Company's property, 
profit and loss accouut, 

Total income, 

Net or ledger assets Dec. 31, 1881, . 



$486,716 00 
155,853 89 

$7,759,091 09 
48,778,093 37 



Total, $56,537,181 46 



Disbursements. 

Cash paid for losses, 

Premium notes or loans used in payment of same, . 
Cash paid for matured endowments and additions, . 
Premium notes or loans used in payment of same, . 

Gross amount paid for losses and endowments, 

Oash paid for surrendered policies, 

Premium no+.es or loans used in purchase of surrendered 

policies, and voided by lapse, 

Cash surrender values applied in payment of premiums, 
Cash dividends paid policy-holders, $32,015.50 ; applied 

in payment of premiums, $1,140,635.63, 
Premium notes or loans used in payment of dividends,- 

Total paid policy-holders, 

Cash paid for commissions to agents, 

for salaries and travelling expenses of agents 

for medical examiner's fees, 

for salaries of officers and office employes, ■ 

for taxes and fees, 

for advertising, . 

for expense on real estate 

for incidentals, . 

Total disbursements, . 



Balance, 



52,448,531 59 

52,507 68 

652,000 68 

24,467 32 

^3,177,507 27 
141,905 65 

115,499 93 

644,080 65 

1,172,651 13 
57,849 55 

.5,309,494 18 
273,124 91 

10,449 63 

12,821 20 
108,024 52 
376,611 87 

49,647 72 
152,672 99 

71,965 53 

.6,364,812 55 



,172,371 91 



Invested in the following : — 

Assets as per Ledger Accounts. 
Cost value of real estate, ...... 

Loans on mortgage of real estate (first liens), 

on collateral security (schedule A), 
Premium notes or loans on policies in force, . 
Cost value of stocks and bonds owned (schedule B), 
Cash deposited in bank, . . . . 

Agents 1 ledger balances, . . . . 



$12,040,468 88 

20,482,923 43 

366,803 28 

3,083,074 35 

11,550,489 82 

2,624,600 40 

24,011 75 



Ledger assets (as per balance), 



$50,172,371 91 



44 



LIFE INSURANCE COMPANIES [Dec. 31, 



Other Assets. 
Interest due and accrued, .... 
Rents due and accrued, .... 
Market value of stocks and bonds, over cost, 
Deferred premiums on policies in force, . 
Deduct loading (25 per cent.), . 
Net amt. uncollected and deferred prems. 

Total assets per company's books, 



,742 82 
14,935 70 



$928,055 72 

16,590 96 

440,597 07 



44,807 12 



. $51,602,422 78 



Items not Admitted. 

Agents' balances $24,011 75 

Depreciation from cost of real estate,* . 1,377,693 71 

Total, 1,401,705 46 



Total admitted assets, 



. $50,200,717 32 



Liabilities. 
Computed premium reserve or net present value of all 

outstanding policies (Actuaries' 4 per cent.), . . $46,869,488 00 

Losses and endowments due and unpaid, . $17,267 25 

Death losses not due, .... 569,889 00 

Claims in process of adjustment, . . 56,423 00 

Total policy claims, .... 



Unpaid dividends of surplus due policy-holders, 
Contingent reserve on lapsed policies, 
Premiums paid in advance, etc., 



Liabilities as to policy-holders, . 
Surplus as regards policy-holders, . 



Gross liabilities, . 



643,579 25 

96,279 83 

155,123 76 

133,891 73 



$47,898,362 57 
2,302,354 75 



$50,200,717 32 



Premium Note Account. 

Premium notes on hand Dec. 31, 1881, . $3,347,600 47 

received during 1882, . 35,364 00 

Total, . $3,382,964 47 

Used in payment of losses and claims, . $76,975 00 
of surrendered policies 

and voided by lapse, . 145,857 93 
of dividends to policy- 
holders, . . . 57,849 55 
Redeemed by maker in cash, . . . 19,207 64 

Total — 299,890 12 

Balance note assets Dec. 31, 1882, .... $3,083,074 35 



* In making up the value of the real estate owned, the same system has heen employed as 
in previous years; and the result shows a recovery of $86,239.97 from the deduction in last 
report. 



1882.] OF OTHER STATES. 45 

Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1881. 

Number. Amount. 

Whole-life policies, 56,483 f 144,113,169 00 

Endowment policies 6,825 13,840,731 00 

All other policies, 605 1,085,968 00 

New Policies issued in 1882. 

Whole-life policies, 

Endowment policies, . . 
All other policies, . . . 

Old Policies revived during the Year. 

Whole-life policies, 

Endowment policies, 

All other policies, 

Total number and amount, . . . 67,374 $167,503,873 00 

Policies ceased to be in Force during the Year. 

Number. Amount. 

Terminated by death, . . . . . . 1,042 $2,542,298 00 

by maturity, ...... 327 696,490 00 

by expiry, 5 9,000 00 

by surrender, . ..».'. 1,242 3,803,159 00 

by lapse, .858 2,433,675 00 

by change and decrease, ... - 209,000 00 

Not taken, . . 238 704,500 00 



2,703 


6,371,353 00 


338 


786,954 00 


13 


41,398 00 


ar. 
371 


1,175,300 00 


33 


81,000 00 


3 


8,000 00 



Total terminated, 3,712 $10,398,122 00 

Policies in Force Dec. 31, 1882. 

Number. Amount. 

Whole-life policies, 56,489 $142,707,503 00 

Endowment policies, 6,584 13,342,383 00 

All other policies, 589 1,055,865 00 



Totals, 63,662 $157,105,751 00 

Schedule A. 

Securities held as Collateral. 

Market value. Amount loaned. 

$2,120 00^1 



St. Louis city bond, . 

Ohio Canal stock, 

Little Miami Railroad stock, 

United States bonds, . 

Hartford city bonds, . 

100 shares iEtna Fire Ins. Co., 
14 " N.Y., N.Hand H.R.R, 
50 " Merchants' National Bank, 



5,500 00 I 

3,525 00 \ W° 3 28 

500 00 j 

1,220 00 1,000 00 

23,000 00 10,000 00 

2,492 00 1,500 00 

5,000 00 4,000 00 



46 



LIFE INSURANCE COMPANIES [Dec. 31, 



101 shares iEtna Fire Ins. Co., . 
500 " N. Y. Central and H. R. R.R., 
5 " Chamber of Commerce (St. L.) 
United States bond, . 
Mortgage assigned, . 
126 shares Phenix Insurance Co., 
27 " iEtna Insurance Co., 
Det. Lansing and No. R.R. bonds, 
Ionia and Lansing R.R. bonds, . 
Wisconsin Valley Railroad bonds, 
Atch. and Neb. Railroad bonds, 
600 shares State Bank, Hartford, 
345 " N. Y., N. H. and Hartford R.R. 
Ter. Haute and Logan sport R.R. bonds, 
New Haven and Northampton R.R. bonds 
L Shore and Mich. So. R.R. bonds, . 
Hartford town bonds, 
50 shares Conn. River Railroad, 
Gold coin, 



Market value. 

$23,735 00) 
63,000 00 J 
5,000 00 \ 
1,020 00 
3,250 00 J 
23,940 00 \ 
6,345 00 J 
47,355 00) 
11,000 00 ■ 
56,250 00 j 
20,700 00 j 
66,000 00 
61,410 00 
11,100 00 \ 
16,500 00 I 
6,250 00 J 
9,000 00 
8,250 00 
10,000 00 



Amount loaned. 

$72,000 00 

2,500 00 
20,000 00 

100,000 00 

52 500 00 
40,000 00 

25,000 00 



} 



6,000 00 
16,500 00 



$493,462 00 $366,803 28 



Schedule B. 

Stocks and Bonds owned by the Company. 

Cost value. Market value. 

United States bonds, $495,625 00 $655,000 00 

Conn, state bonds, 600,000 00 633,000 00 

Tennessee state bonds, .... 19,900 00 10,920 00 

Evansville city bonds, .... 266,050 00 266,050 00 

Jackson (Mich.) city bonds, ' . . . . 99,000 00 99,000 00 

Toledo, O., city bonds, .... 61,20000 61,20000 

Fort Wayne, Ind., city bonds, . . . 75,000 00 75,000 00 

Louisville, Ky., city bonds, . . . 182,500 00 234,000 00 

Chicago city bonds, 28,520 00 27,620 00 

Toledo city bonds, 50,700 00 50,700 00 

St. Louis city bonds, .... 270,300 00 278,250 00 

New York city bonds, . . . 269,868 75 321,200 00 

Mobile city bonds, 88,500 00 88,500 00 

Kansas city bonds, 115,000 00 115,000 00 

Milwaukee city bonds, . . . . 625,000 00 738,000 00 

Quincy (111.) city bonds, .... 202,81774 202,81774 

St. Louis county bonds 28,546 88 29,250 00 

St. Louis Chamber of Commerce bonds, . 492,000 00 492,000 00 

Atlantic Dock Co. bonds 81,000 00 81,000 00 

Atch., Top. and S. Fe R.R. bonds, . . 122,782 66 122,400 00 

Chicago, Bud. and Quincy R.R. bonds, . 299,068 54 297,020 00 

Chicago, Mil. and St. Paul R.R. bonds, . 611,021 33 606,775 00 



1882.] 



OF OTHER STATES. 



47 



Chicago and Alton R.R. bonds, 
Chicago and Northwestern R.R. bonds, 
Chicago and Southwestern R.R. bonds, 
C. C. C. and Indianapolis R.R. bonds, 
Chicago and West. Ind. R.R. bonds, 
Central Pacific R.R. bonds, 
Cinn., Hamilton and Dayton R.R. bonds, 
Cleveland and Pittsburg R.R. bonds, 
Cinn., Ind., St. L. and Chic. R.R. bonds, 
Chic, St. Louis and N. O. R.R. bonds, 
Dayton and Western R.R. bonds, 
Del. Lacka. and Western R.R bonds, 
Det., Lansing and Northern, R.R. bonds, 
Harlem River and Pt. Chester R.R. bonds 
Lake Shore and Mich. So. R,R. bonds, 
Lehigh Valley R.R. bonds, 
Michigan Central R.R. bonds, . 
Nashville and Dec. R.R. bonds, 
N. Y. Central and Hudson R. R.R bonds 
N. Y., Lake E. and Western R.R. bonds, 
Pittsburg, Cinn. and St. L. R R. bonds, 
Phila. and Reading R.R. bonds, 
St. L., Iron Mt. and S R.R., 
Northern Pacific R R. bonds, 
Union Pacific R.R. bonds, . 
Vermont Valley R.R. bonds, 
Baltimore and Ohio R R. bonds, 
Wabash, St. Louis and Pacific R.R bonds 
Mich Central RR bonds,. 

25 shares iEtna National Bank, Hartford 
100 " City National Bank, Hartford 

10 " Charter Oak Nat'l B%, Hartf'd 
130 " First National Bank, Hartford 
176 " Phoenix Nat'l Bank, Hartford 

10 " State Bank, Hartford, 
300 " Conn T. and S. D. Co., Hartf'd 
175 " First National Bank, Litchfield 
160 " Fourth National Bank, N. Y., 
210 " N. Y., N. H. and Hartford R R 

50 " Conn. River R.R., . 



Cost value. 

',051 25 

360,29-1 58 

61,313 75 

62,950 83 

745,656 25 

57,969 16 

86,844 22 

51,264 73 

73,252 51 

257,187 50 

32,765 00 

1,267 81 

121,752 50 

1,000,000 00 

203,838 42 

56,485 17 

71,061 69 

59,554 63 

786,241 67 

198,574 42 

60,629 94 

124,740 38 

147,565 71 

507,500 00 

54,640 33 

301,500 00 

269,375 00 

221,941 72 

244,078 75 

2,500 00 

10,725 00 

1,055 00 

13,000 00 

26,081 00 

1,275 00 

30,000 00 

22,125 00 

16,000 00 

21,000 00 

5,000 00 



Market value. 

$96,600 00 

357,606 15 

60,500 00 

60,500 00 

770,000 00 

56,750 00 

86,940 00 

51,710 00 

71,230 00 

257,500 00 

32,700 00 

1,290 00 

115,500 00 

1,000,000 00 

200,925 00 

55,930 00 

70,680 00 

58,500 00 

777,000 00 

198,400 00 

59,500 00 

122,000 00 

143,350 00 

511,250 00 

54,000 00 

315,000 00 

275,000 00 

217,500 00 

246,170 00 

3,250 00 

9,000 00 

1,400 00 

15,600 00 

30,448 00 

1,100 00 

34,500 00 

22,225 00 

19,200 00 

37,380 00 

8,250 00 



$11,550,489 82 $11,991,086 89 



48 



LIFE INSURANCE COMPANIES [Dec. 31 



EQUITABLE LIFE ASSURANCE SOCIETY OF THE UNITED 
STATES, NEW YORK, N.Y. 

[Incorporated July 26, 1859. Commenced business July 28, 1859. 

Paid-up Capital $100,000. 

Henry B. Hyde, President. William Alexander, Secretary. 

Note bt the Company. — Wherever the term " cash " is used in this statement, it means 
money in hand, or its equivalent in the Company's money obligations. 



Income. 

Total premium income, 

Cash received for interest on stocks, bonds and loans, 

for interest on other debts due the company 
for rents of company's property, 
for profit and loss account, 

Total income, . . . ' . 
Net or ledger assets, Dec. 31, 1881, . 

Total, 



$8,922,369 08 

1,305,453 88 

648,287 79 

458,581 15 

544,479 51 

£11,879,171 41 

41,511,949 03 

£53,391,120 44 



Disbursements. 

Cash paid for losses and additions, .... 
for matured endowments and additions, 

Gross amounts paid for losses and endowments,. 

Cash paid to annuitants, 

for surrendered policies, .... 
Cash dividends paid policy-holders ; applied in payment 
of premiums, 



Total paid policy-holders, 

Cash paid for dividends to stockholders, . 
for commissions to agents, 
for salaries and travelling expenses of agents 
for medical examiner's fees, . 
for salaries of officers and office employes, 
for taxes and fees, . . ■ 

for rent, 

for commuting commissions, . 

for advertising, 

for incidentals, 

Total disbursements, 

Balance, 



$2,766,358 19 
346,759 31 

$3,113,117 50 

43,651 62 

978,741 21 

1,842,031 23 

$5,977,541 56 

7,000 00 

636,243 68 

82,435 05 

82,181 17 

226^08 49 

102,026 03 

109,355 31 

203,122 29 

53,357 52 

381,567 80 

$7,861,538 90 

$45,529,581 54 



1882.] 



OF OTHER STATES. 



49 



Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 

on collateral security (schedule A), 
Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 

deposited in bank, 

Agents' ledger balances, 

Ledger assets (as per balance), 



$9,250,628 44 

11,286,129 27 

10,417,000 00 

11,651,371 97 

50,779 75 

2,847,203 69 

26,468 42 

$45,529,581 54 



Other Assets. 

Interest due and accrued, ........ 

Rents due and accrued, 

Market value of stocks and bonds, over cost, . 
Uncollected premiums on policies in force, $410,287 00 
Deferred premiums on policies in force, . 805,728 00 

Total, $1,216,015 00 

Deduct loading (20 per cent.), . . 247,203 00 
Net am't of uncollected and deferred prems., 

Total assets per company's books, 



300,929 17 

82,837 12 

896,388 03 



972,812 00 



. $47,782,547 86 



Items not Admitted. 



Agents' balances, 

Total admitted assets, 



26,468 42 
$47,756,079 44 



Liabilities. 

Computed premium reserve or net present value of all 
outstanding policies (Actuaries' 4 percent.) . . $39,659,894 00 

Death losses due and unpaid, . . . $11,274 00 

Matured endowments due and unpaid, . 19,592 88 

Death losses and matured endowments in 
process of adjustment, .... 92,680 00 
Total policy claims, .... 

Unpaid dividends of surplus due policy holders, 

Liability under lapsed policies, . . . . 

Liabilities as to policy-holders, .... 
Surplus as regards tontine policy-holders, $4,482,700 00 
as regards other policy-holders, . 3,326,124 06 



123,546 88 

80,727 00 
83,087 50 

. $39,947,255 38 



Gross surplus as regards policy-holders, . 
Gross liabilities, 



- 7,808,824 06 
. $47,756,079 44 



50 



LIFE INSURANCE COMPANIES [Dec. 31, 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1881. 

Number. Amount. 

Whole-life policies, . . . . . . 51,033 $173,669,719 00 

Endowment policies 6,463 20,891,497 00 

All other policies, 616 1,723,030 00 

Reversionary additions, - 4,394,773 00 



New Policies issued in 1882. 



Whole-life policies, . 
Endowment policies, . 
All other policies, 



12,589 $50,697,939 00 

1,663 6,961,792 00 

238 692,469 00 



Old Policies Revived during the Tear. 

Whole-life policies, __ • 506 

Endowment policies, 64 

All other policies, . . .... 8 

Old Policies increased during the Year. 
Additions by dividends, 

Total number and amount, 



2,092,121 00 

210,700 00 

25,250 00 



1,582,008 00 



73,180 $262,941,298 00 



Policies ceased to be in Force during the Tear. 



Terminated by death, 

by maturity, . 

by expiry, 

by surrender, . 

by lapse, 

by change and decrease, 
Not taken, 

Total terminated, . . 



lumber. 


Amount. 


743 


$2,674,441 00 


90 


309,335 00 


21 


200,500 00 


1,606 


7,355,137 00 


3,197 


10,872,105 00 


- 


1,296,396 00 


1,843 


7,403,764 00 



7,500 $30,111,678 00 



Policies in Force December 31, 1882. 

Number. 



Amount. 



Whole-life policies, . 
Endowment policies, . 
All other policies, 
Reversionary additions, 

Totals, 



57,671 $201,862,047 00 

7,261 24,344,414 00 

748 1,942,774 00 

- 4,680,385 00 



65,680 $232,829,620 00 



Schedule A. 

Securities held as Collateral. 

Market value. 

St. Paul Railroad stock, .... $1,030,908 00 

St. Paul Railroad bonds, .... 69,330 00 

Union Pacific Railroad stock, . . . 520,095 00 

Union Pacific Railroad bonds, . '. . 66,007 00 



Amount loaned 



1882.] 



OF OTHER STATES. 



51 



North Western Railroad stock, . 
North Western Railroad bonds, 
Mercantile Safe Deposit Company stock, 
Western Union Telegraph Co. stock, 
Western Union Telegraph Co. bonds, 
Erie Railroad stock, . 
Erie Railroad bonds, . 
Wabash Railroad stock, . 
Wabash Railroad bonds, . 
Rock Island Railroad stock, 
Central Pacific Railroad stock, 
Central Pacific Railroad bonds, 
Chic, Burl., and Quincy Railroad stock, 
Chic, Burl., and Quincy Railroad bonds, 
Lake Shore Railroad stock, 
Lake Shore Railroad bonds, 
Oregon Navigation Company stock, 



Delaware and Hudson Canal Company stock, 356,400 00 



Missouri Pacific Railroad stock, 
Missouri Pacific Railroad bonds, 
Illinois Central R. R. stock, 
Illinois Central R. R. bonds, 
Chic, St Louis and N. O. R. R. bonds, 
Kansas and Pacific Railroad bonds, . 
Minnesota and St. Louis Railroad stock, 
St. Paul and Manitoba Railroad stock, 
Wabash, St Louis and Pac. R. R. bonds, 
Michigan Central Railroad stock, 
Michigan Central Railroad bonds, . 
Mercantile Trust Company stock, 
Missouri, Kansas and Texas R. R. stock, 
Missouri, Kansas and Texas R. R. bonds 
Pullman Car Company stock, . 
Omaha Railroad stock, 
Humeston and Shenandoah R. R. bonds, 
Delaware and Lackawanna R. R. stock, 
Delaware and Lackawanna R. R. bonds, 
Iowa Midland Railroad bonds, . 
St. Charles Bridge bonds, . . , 
Denver and Rio Grande Railroad bonds, 
Winona and St Peter's Railroad bonds, 
Hannibal and St. Joe Railroad stock, 
Hannibal and St. Joe Railroad bonds, 
Philadelphia and Reading R. R. stock, 
Philadelphia and Reading R. R. bonds, 
Clev., Col., Cinn. and Ind. R. R. stock, 
Ind., Bloom and Western R. R. bonds, 
North Missouri Railroad bonds, 
San Francisco Railroad stock, . 



Market value. 

$525,950 00 

572,400 00 

650,000 00 

878,719 00 

62,010 00 

20,299 00 

457,360 00 

8,900 00 

635,600 00 

338,850 00 

494,924 00 

7,350 00 

340,380 00 

1,720 00 

452,000 00 

15,740 00 

364,320 00 



Amount loaned. 



254,375 00 

111,240 00 

227,600 00 

38,000 00 

101,625 00 

187,032 00 

127,000 00 

157,300 00 

232,800 00 

186,200 00 

48,300 00 

120,000 00 

13,000 00 

120,910 00 

231,833 00 

163,794 00 

250,000 00 

198,400 00 

12,300 00 

28,600 00 

25,000 00 

28,080 00 

35,200 00 

74,000 00 

112,350 00 

31,875 00 

67,200 00 

89,100 00 

25,650 00 

33,000 00 

89,100 00 



52 



LIFE INSURANCE COMPANIES [Dec. 31, 



Atchison and Santa Fe Railroad stock, 

Atchison and Santa Fe Railroad bonds, 

American Cable Company stock, 

North Pacific Railroad stock, . 

North Pacific Railroad bonds, . 

United States bonds, . 

New York Central Railroad stock, 

Second Avenue Railroad stock, 

Texas and Pacific Railroad stock, 

Texas and Pacific Railroad bonds, 

St. Paul, Minn, and Manitoba R. R. stock, 

St. Paul, Minn, and Manitoba R. R. bonds, 

United States National Bank stock, . 

Jersey Central Railroad bonds, 

Cedar Rapids and Mo. River R. R. stock, 

Oregon Transportation Company, . 

Miami Railroad stock, 

Metropolitan Elevated Railroad stock, 

Metropolitan Elevated Railroad bonds, 

Metropolitan Railroad stock, . 

Chic. St. Paul, Minn, and O. R. R. bonds, 

Richmond and Danville R. R. stock, . 

Richmond and Danville R. R. bonds, 

Canada Southern Railroad stock, 

Canada Southern Railroad bonds, 

N. Y., Chic, and St. Louis Railroad bonds, 

Louisville, Jackson, and Chic. R. R. b'ds, 

St. Louis and San Francisco R. R. bonds, 

South Western R. R. stock (Georgia), 

Pittsburg, Brad, and Buff. R. R. bonds, . 

Dubuque and Sioux City R. R. stock, 

St. Louis, Kan. City and N. R. R. bonds, . 

Evansville and Terre Haute R. R. bonds, 

Erie and Pittsburg R. R. stock (Penn.), . 

Chicago and Alton Railroad stock, . 

Lake Erie and Western R. R. bonds, 

Louisville, N. A. and Chic. R. R. bonds, . 

Lehigh and Wilkesbarre Railroad bonds, . 

South Carolina state bonds, 

American Dock Imp. Company bonds, 

Richmond and Alleghany R. R. bonds, . 

Wells, Fargo & Co. Express stock, . 

Norfolk and Western Railroad bonds, 

Southern Pacific R. R. bonds of Calif., 

Iron Mountain Railroad bonds, . 

N. Y. Lacka. and Western Railroad stock, 

Pittsburg and Western Railroad bonds, . 

Adams Express Company stock, 



Market value. 

$13,725 00 
31,200 00 
25,430 00 
51,000 00 
12,285 00 
31,945 00 
75,600 00 
92,500 00 
27,825 00 
88,250 00 
28,600 00 
18,785 00 
30,000 00 
45,680 00 
31,500 00 
25,312 00 
13,677 00 

8,400 00 
20,400 00 
42,000 00 
10,900 00 
11,200 00 
10,780 00 

6,700 00 
30,613 00 
33,686 00 
10,600 00 
16,230 00 
38,160 00 
15,600 00 
53,400 00 
33,650 00 
45,450 00 
60,000 00 
54,404 00 
12,300 00 
52,500 00 
18,200 00 
20,400 00 
25,100 00 
20,750 00 
19,550 00 
20,100 00 
20,500 00 
86,150 00 
68,000 00 
25,000 00 
58,500 00 



Amount loaned. 



1882.] 



OF OTHER STATES. 



53 



Dry Dock stock, .... 
Ohio Central Railroad bonds, . 
Morris and Essex Railroad stock, 
Morris and Essex Railroad bonds, . 
Nash., Chat., and St. Lonis R. R. bonds, 
Sciota Valley Railroad bonds, . 
Broadway and Seventh Ave. R. R. b'ds, 
Bank of North America stock, . 
Oregon Short Line Railroad bonds, . 
Municipal Gas Company stock, 
Bowery Bank stock, .... 
Ohio and Mississippi Railroad bonds, 
St. Louis, A. and Terre Haute R. R. b'ds, 
North Carolina state bonds, 
Cleveland and Pittsburg Railroad stock, 
Ohio Transportation Company bonds, 
Atch., Top. and Santa Fe R. R. stock, 
Atch., Top. and Santa Fe R. R. bonds, 
Cedar Rapids Railroad bonds, . 
Atlantic and Pacific Railroad bonds, 
Louisville and Nashville Railroad stock, 
Louisville and Nashville Railroad bonds 
Ohio Southern Railroad bonds, . 
Chic, St. Paul and Ohio Railroad bonds, 
Mobile and Ohio Railroad bonds, 
Brooklyn Bridge Company bonds, . 
Atch., Col. and Pacific Railroad bonds, 
Jefferson Railroad bonds, . 
Cairo and Fulton Railroad bonds, 
Knickerbocker Ice Company bonds, 
Peoria, Decatur and Evansville R. R. b'ds, 
International and Gr. Northern R. R. b'ds, 
Susquehanna and Mo. River R. R. bonds, 
Manhattan Railroad stock, 
N. Y., West. Shore and Buff. R. R. bonds, 
Gold and Stock Telegraph Co. bonds, 
East Tennessee Railroad bonds, 
Albany and Susquehanna Railroad bonds, 
Kansas City and Ft. S -ott Railroad bonds, 
New York Elevated Railroad bonds, 
Louisiana State bonds. 
Toledo and Wabash Railroad bonds, 
Houston and Texas Railroad bonds, 
St. Paul and Sioux City Railroad bonds, 
Manhattan Elevated Railroad stock, 
Manhattan Gas Company stock, 
St. Louis and Kan. City Railroad bonds, 
American Express Company stock, . 
Michigan Railroad stock, . 



Market value. 

$14,040 00 
12,415 00 
6,100 00 
14,000 00 
11,800 00 
10,200 00 
10,500 00 
10,500 00 
10,000 00 
8,750 00 
8,500 00 
3,540 00 
1,180 00 
5,400 00 
6,400 00 
9,200 00 
9,300 00 
1,800 00 
1,000 00 
9,600 03 
5,300 00 
1,820 00 
2,460 00 
9,810 00 
2,100 00 
1,400 00 
7,760 00 
5,500 00 
4,430 00 
3,600 00 
3,090 00 
6,330 00 
2,200 00 
8,500 00 
3,650 00 
8,500 00 
4,640 00 
7,800 00 
1,075 00 
2,360 00 
8,100 00 
5,400 00 
9,720 00 
9,800 00 
8,500 00 
2,150 00 
6,450 00 
9,300 00 
9,800 00 



Amount loaned. 



54 



LIFE INSURANCE COMPANIES [Dec. 31, 



Boston Air Line Railroad stock, 
Great Western Railroad bonds, 
Elizabeth City and Norfolk R. R. bonds, 
Michigan Southern Railroad bonds, . 
Pitts., Ft. Wayne and Chic. R. R. bonds, 
Nashville and Decatur Railroad bonds, 
District of Columbia bonds, 
Rome and Watertown Railroad bonds, 
Clinton Fire Insurance Company stock, 
West Pacific Railroad bonds. . 



Market value. 

$7,825 00 

7,525 00 

9,500 00 

5,300 00 

8,350 00 

7,200 00 

2,200 00 

750 00 

625 00 

880 00 



Amount loaned. 



$13,291,618 00 $10,417,000 00 



Schedule 

Stocks and Bonds owned 



United States bonds, . 
Columbus (O.) bonds, 
Dayton (O.) bonds, . 
Fort Wayne (Ind.) bonds, . 
Seneca town bonds, . 
Sharon town bonds, . 
St. Louis city bonds, . 
Cleveland city bonds, 
Newark city bonds, . 
Hoboken city bonds, 
Buffalo city bonds, 
Jersey City bonds, 
Mississippi state bonds, 
Virginia state bonds, 
Erie Railroad bonds, . 
Mercantile Trust Company stock, 
Buffalo, New York and Erie R. R., 
Delaware and Hudson Canal, . 
Albany and Susquehanna Railroad, 
Milwaukee and St. Paul Railroad, 
Wabash, St. Louis and Pacific R.R., 
Wabash Railroad, 
St. Louis, Kan. City and No. R. R., 
North Missouri Railroad, . 
Toledo and Wabash Railroad, . 
Illinois and Southern Iowa R. R., 
Troy and Boston Railroad, 
Watertown and Rome Railroad, 
Chicago and North-Western R. R., 
St. Louis, and Iron Mountain R. R , 
Memphis and Little Rock Railroad, 
Cairo and Fulton Railroad, 
Syracuse, Bing. and New York R. R., 



B. 

bij the Company. 

Cost value. 

$532,738 00 
8,400 00 

11,150 00 
103,050 00 

33,000 00 

10,500 00 
538,125 00 

56,440 00 
722,445 00 
208,405 00 

49.100 00 

95.101 00 
9,959 00 

14,893 19 
1,105,819 00 
1,010,234 28 

47,641 00 
176,304 00 
108,365 00 
962,714 00 
624,961 00 

62,373 00 
119,127 00 

17,511 00 

52,573 00 
159,863 00 
272,035 00 
438,585 00 
704,420 00 

11,542 00 

56,243 00 
106,988 00 

45,600 00 



Market value. 

$604,575 00 
8,880 00 

11,600 00 
112,750 00 

35,392 00 

11,025 00 
600,000 00 

56,598 00 
794,300 00 
228,575 00 

49,403 00 
102,500 00 

10,200 00 

14,291 00 
1,185,000 00 
1,549,086 00 

52,000 00 
189,800 00 
120,960 00 
981,250 00 
541,600 00 

53,550 00 
124,300 00 

18,000 00 

51,500 00 
159,500 00 
276,250 00 
480,355 00 
700,000 00 

11,900 00 

58,040 00 
110,000 00 

50,000 00 



1882.] 



OF OTHER STATES. 



55 



Morris and Essex Railroad, 
Hannibal and St. Joseph Railroad, . 
Missouri Pacific Railroad, . 
Kansas Pacific Railroad, . 
Pennsylvania Company, . 
International and Gt. Northern R. R., 
Chic, St. Paul, Minn, and Oma. R. R., 
Michigan Central Railroad, 
St. Paul, Minn, and Manitoba R. R., 
Central Railroad of New Jersey, 
Buffalo, N. Y. and Phila. R. R., 
Chic, St. Louis, and N. O R. R., 
Central Park, North and E. R. R. R., 
2,000 shares Morris and Essex R. R., 
1,100 " N. Y. Central and H. R. R. R., 



Cost value. 

$564,556 00 

48,741 00 

256,250 00 

62,844 00 

250,000 00 

277,500 00 

254,155 00 

97,109 00 

318,407 00 

169,976 00 

250,000 00 

252,500 00 

115,000 00 

109,010 00 

149,084 50 



Market value. 

1579,500 00 
48,600 00 
252,500 00 
60,600 00 
237,500 00 
263,750 00 
270,000 00 
100,000 00 
319,500 00 
170,830 00 
245,000 00 
262,500 00 
117,000 00 
126,500 00 
140,800 00 



$11,651,371 97 $12,547,760 00 



GERMANIA LIFE INSURANCE COMPANY OF NEW YORK. 

[Incorporated April 10, 1860. Commenced business July 16, I860.] 

Paid-up Capital, $200,000. 

Hugo Wesendonck, President. Cornelius Doremus, Secretary. 



Income. 

Total premium income, ...... 

Cash received for interest on stocks, bonds and loans, 
as discount on claims paid in advance, 
for rents of Company's property, 4 
for policy fees, 



Total income, 
Net or ledger assets, Dec 31, 1881, 



Total, 



Disbursements. 

Cash paid for losses and additions, 

for matured endowments and additions, . 

Gross amount paid for losses and endowments, 
Cash paid to annuitants, . '. 

for surrendered policies, 

Cash surrender values, including reconverted additions 

applied in payment of premiums, . . . 
Cash dividends paid policy-holders, applied in payment 
of premiums, 

Total paid policy-holders, 



$1,361,650 81 

438,024 76 

199 73 

45,590 86 

430 15 

$1,845,896 31 

9,198,792 35 

$11,044,688 66 



$637,055 37 

167,857 41 

$804,912 78 

4,744 61 

115,978 58 

10,238 89 

172,898 24 

1,108,773 10 



56 



LIFE INSURANCE COMPANIES [Dec. 31, 



Cash paid for dividends to stockholders, * 

for commissions to agents, . 
for salaries and travelling expenses of agents, 
for medical examiner's fees, 
for salaries of officers and office employes, 

for taxes and fees, 

for rent, 

for commuting commissions, . 
for furniture and office fixtures, 
for advertising and printing, . 
for incidentals, 

\ 
Total disbursements, 

Balance, , . 



$24,000 00 

144,018 30 

49,773 83 

12,652 91 

65,852 75 

8,298 40 

12,737 50 

2,180 47 

187 30 

8,187 92 

13,392 30 

1,450,654 78 

1,594,033 88 



Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of real estate, $1,505,237 68 

Loans on mortgage of real estate (first liens), . . 5,473,973 81 

on collateral security (schedule A), . . . 450,000 00 

on company's policies assigned as collateral, . 6,132 79 

Cost value of stocks and bonds owned (schedule B), . 2,015,821 92 

Cash in company's office, 5,565 23 

Cash deposited in bank, 137,302 45 

Ledger assets (as per balance), . . . $9,594,033 88 

Deduct depreciation from cost of assets, .... 115,119 40 



Total net or ledger assets, $9,478,914 48 



Other Assets. 

Interest due and accrued, 

Rents due and accrued, 

Market value of stocks and bonds over cost, . 
Uncollected premiums on policies in force, $47,234 60 
Deferred premiums on policies in force, . 217,642 95 



Total, ...... $264,877 55 

Deduct loading (20 per cent.), . . 52,975 51 
Net ain't uncollected and deferred prems., 



50,544 35 

8,395 83 

143,913 08 



211,902 04 



Total assets per company's books, 



1,893,669 78 



1882.] 



OF OTHER STATES. 



57 



Liabilities. 

Computed premium reserve or net present value of all 

outstanding policies (Actuaries 1 4 per cent.). 
Death losses due and unpaid, . . . $15,049 17 
Matured endowments due and unpaid, . 6,907 75 

Death losses in process of adjustment, . 92,005 31 

Claims resisted by the company, . . 23,810 05 

Total policy claims, .... 

Unpaid dividends of surplus due policy-holders, . 

Rents accrued, 

Extra reserve for lapsed, war and other policies, . 

Liabilities as to policy-holders, 

Surplus as regards special policy-holders, 
as regards general policy-holders, 
Gross surplus as regards policy-holders, 

Gross liabilities, 



),625 91 
652,717 90 



$9,000,613 00 



137,772 28 

40,516 10 

1,750 00 

29,674 56 

>,210,325 94 

683,343 84 
),893,669 78 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1881. 

dumber. Amount. 

Whole-life policies, 13,641 $25,000,865 00 

Endowment policies, .... 6,544 9,480,10600 

All other policies, 399 1,025,679 00 



New Policies issued in 1882. 



Whole-life policies, . 
Endowment policies, 
All other policies, 



Old Policies revived during the Year. 
Whole-life policies, ...... 

Endowment policies, 

Endowment policies increased during the year, 
Additions by dividends, 



597 


1,950,545 00 


1,415 


2,360,271 00 


106 


359,396 00 


Year. 




4 


7,357 00 


1 


357 00 


2 


- 


. 


55,405 00 



Total number and amount, 



22,712 $40,239,981 00 



Policies ceased to be in Force during the Year. 

Number. Amount. 

Terminated by death, 320 $617,046 00 

by maturity, . . . . 1 . 115 183,745 00 

by expiry, .4 

by surrender, 435 783,700 00 

by lapse, . . . . . .443 816,852 00 

by change and decrease, ... 14 116,97200 

Not taken, .255 832,462 00 



Total terminated. 



1,586 $3,350,777 00 



58 



LIFE INSUEANCE COMPANIES [Dec. 31, 



Policies in force December 31, 1882. 

Number. 



Amount. 



Whole-life policies, . 
Endowment policies, . 
All other policies, 

Totals, 
Industrial policies in force, 



13,480 $25,047,116 00 

7,222 10,724,491 00 

424 1,117,597 00 



21,126 $36,889,204 00 
9,689 1,049,914 00 



United States bonds, . 
Erie Railway " . . 
New York and Lake E. R R. bonds, 
Mil. and St Paul R. R. bonds, . 
Kansas Pacific " " 

Union " " " 



Schedule A. 

Securities held as Collateral. 

Market value. 

$364,200 00 



38,100 00 1 
21,800 00 ] 
18,450 00 S" 
27,500 00 j 
18,300 00 J 



Amount loaned 

$350,000 00 



100,000 00 



$488,350 00 $450,000 00 



Schedule B. 



Stocks and Bonds owned by the Company. 

Cost value. 

United States bonds, $1,228,524 89 



Virginia state bonds, 
Mississippi " " 
New York city bonds, 
New York county bonds, 
Brooklyn city bonds, . 
Newark city bonds, . 
Erie Railway bonds, . 



12,945 00 

7,500 00 

400,743 00 

25,767 50 
161,170 28 

20,100 00 
159,071 25 



Market value. 

$1,297,085 00 

10,800 00 

8,500 00 

439,250 00 

27,000 00 

196,600 00 

18 : 000 00 

162,500 00 



$2,015,821 92 $2,159,735 00 



HOME LIFE INSURANCE COMPANY OF NEW YORK. 

[Incorporated April 30, 1860. Commenced business May 1, I860.] 

Paid-up Capital, $125,000. 

George C. Ripley, President. Joseph P. Holbrook, Secretary. 



Income. 

Total premium income, 

Cash received for interest on stocks, bonds and loans, 
for rents of company's property, 



Total income, 
Net or ledger assets Dec. 31, 1881, 

Total, 



,834 71 
253,459 16 
3,779 58 

$756,073 45 
4,875,711 09 

55,631,784 54 



1882.] 



OF OTHER STATES. 



59 



Disbursements. 

Cash paid for losses and additions, $178,404 03 

Premium notes or loans used in payment of same, . . 14,706 97 

Cash paid for matured endowments and additions, . . 75,557 75 

Premium notes or loans used in payment of same, . . 11,653 25 

Gross amount paid for losses and endowments, . $280,322 00 

Cash paid to annuitants, 901 35 

for surrendered policies, 27,864 67 

Premium notes or loans used in purchase of surrendered 

policies and voided by lapse, 20,146 35 

Cash dividends paid policy-holders, applied in payment 

of premiums, 33,779 99 

Premium notes or loans used in payment of dividends, . 72,781 72 

Total paid policy-holders, $435,796 08 

Cash paid for dividends to stockholders, .... 15,000 00 

for commissions to agents, .... 53,435 37 

for salaries and travelling expenses of agents, 32,103 74 

for medical examiner's fees, .... 4,482 00 

for salaries of officers and office employes, . 31,621 39 

for taxes and fees, 4,534 90 

for rent, 6,708 02 

for advertising, 3,139 26 

for incidentals, 10,574 66 

Total disbursements, $597,395 42 



Balance, 



i,034,389 12 



Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 

on collateral security (schedule A), 
Premium notes or loans on policies in force, . 
Cost value of stocks and bonds owned (schedule B), 
Cash in company's office and in bank, 
Agents' ledger balances, ...... 

Ledger assets (as per balance), . . 

Deduct depreciation from cost of assets, . 



$273,858 81 

705,290 00 

1,753,950 00 

739,189 22 

1,537,351 22 

18,751 65 

5,998 22 

^5,034,389 12 
22,500 00 



Total net or ledger assets, . 



$5,011,889 12 



60 LIFE INSURANCE COMPANIES [Dec. 31, 

Other Assets. 

Interest due and accrued, $24,395 30 

Rents due and accrued, 2,064 97 

Market value of stocks and bonds over cost, . . . 85,648 78 

Uncollected premiums on policies in force, $53,560 42 
Deferred premiums on policies in force, . 31,046 20 



Total, $84,606 62 

Deduct loading (20 per cent.), . . . 16,92132 

Net ain't uncollected and deferred prems. 67,685 30 



Total assets per company's books, .... f 5, 19 1,683 47 

Item not admitted. 
Agents' balances, 5,998 22 



Total admitted assets, $5,185,685 25 



Liabilities. 

Computed premium reserve or net present value of all 

outstanding policies (Actuaries' 4 per cent.), . . $3,842,077 00 
Death losses in process of adjustment, . $24,007 00 
Claims resisted by the company, . . 7,000 00 

Total policy claims, .... 31,007 00 

Unpaid dividends of surplus due policy-holders, . . 14,060 38 

Due for premiums paid in advance, 890 82 



Liabilities as to policy-holders, ..... $3,888,035 20 
Surplus as regards policy-holders, 1,297,650 05 



Gross liabilities, . $5,185,685 25 

Premium Note Account. 

Premium notes on hand, Dec. 31, 1881, . $755,819 95 

received during 1882, . 125,170 96 

Total, $880,990 91 

Used in payment of losses and claims, . $26,360 22 
of surrendered policies 

and voided by lapse, . 20,146 35 
of dividends to policy- 
holders, . . . 72,781 72 
Redeemed by maker in cash, . . . 22,513 40 

Total, 141,801 69 



Balance note assets Dec. 31, 1882, .... $739,189 22 



1882.] 



OF OTHER STATES. 



61 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 18S1. 

Number. Amount. 

Whole-life policies, 6,620 $12,814,046 00 

Endowment polities, 1,232 2,138,983 00 

All other policies, 10 - 

Reversionary additions, - 12,050 00 



New Policies issued in 1882. 



Whole-life policies, , 
Endowment policies, 



791 
535 



Old Policies revived during the Tear. 

Whole-life policies, 15 

Endowment policies, 4 

Old Policies increased during the Year. 

Whole-life policies, - 

Endowment policies, - 

Additions by dividends, - 



1,412,304 00 
938,996 00 

22,500 00 
4,000 00 

3,000 00 

500 00 

3,935 00 



Total number and amount, 



9,207 §17,350,314 00 



Policies ceased to be in Force during the Year. 





Number. 


Amount. 


Terminated by death, 


119 


$193,111 00 


by maturity, . 


53 


87,211 00 


by surrender, 


387 


714,328 00 


by lapse, 


171 


266,500 00 


by change and decrease, . . . - 


14,000 00 


Not taken, 


204 


378,750 00 


Total terminated, 


934 


$1,653,900 00 


Policies in 


Force Dec. 31, 1882. 






Number. 


Amount. 


Whole-life policies, . 


6,744 $13,008,460 00 


Endowment policies, . 


1,519 


2,671,969 00 


All other policies, 


10 


- 


Reversionary additions, 


. 


15,985 00 


Totals, 


8,273 


$15,696,414 00 



Schedule A. 
Securities held as Collateral. 

25 shares Nassau National Bank, 
100 " Union Trust Co., 

50 " Home Insurance Co., 

20 " Nassau National Bank, 
Prospect Park bond, . 
150 shares Central Trust Co., . 
300 " Metropolitan National Bank, 





Market value. 


Amount loaned. 




$1,375 00 


$2,000 00 




27,500 00^ 
8,000 00 / 


15,000 00 




3,500 00 


1,800 00 




1,300 00 


1,000 00 




30,000 00 ^ 
48,600 00/ 


44,000 00 


ink, , 





62 



LIFE INSURANCE COMPANIES [Dec. 31, 



N. Y., Chic, and St. Louis Railroad bonds 
150 shares Metropolitan National Bank, 
N. Y., Chic, and St. Louis Railroad bonds 
300 shares Metropolitan National Bank, 

100 " Brooklyn City Railroad, . 
20 " Brooklyn Bank, 

76 " New York Gas Light Co., 

101 " Brooklyn Gaslight Co., . 
5 " Union Ferry Co., 

10 " Long Island Safe Deposit Co. 
St. L. and Iron Mt. Railroad bonds, . 
1,284 shares Brooklyn City Gas Light Co. 
50 " German Araer. Insurance Co. 
145 " Nassau National Bank, . 
803 " Central National Bank, 
285 " Fourth National Bank, . 
178 " National Bank of Commerce 
250 " Central Trust Co., . 

31 " New York Life Ins. and T. Co. 
580 " Rens. and Saratoga Railroad 
1,000 " South'n and Atlantic Tel. Co. 
300 " Brooklyn Gas Light Co., 
200 " Gold and Stock Tel. Co., 
100 " New York Central Railroad 
10 " Standard Fire Insurance Co. 
30 " Long Island Bank, 
45 " Cent. PVk and N. & E. R. R.R. 
8 " Third Avenue Railroad, 
20 " Nassau National Bank, . 
30 "' Home Insurance Co., 

44 " Broadway Insurance Co., 
10 " Mechanics Fire Ins. Co., 

10 " Broadway and 7th Ave. R.R. 
15 " 23d Street Railway, 
40 " Christopher Street Railroad, 
39 " Brooklyn Bank, . 
656 " Brooklyn City Railroad, 
Susp. Br. and Erie June. Railroad bonds 
Lafay. B. and Muncie Railroad bonds, 
Houston and Texas Railroad bonds, . 

45 shares Amer. Exch. National Bank 
51 " Mechanics 1 Insurance Co., 
22 " Central National Bank, . 

10 " Park Fire Insurance Co., 
35 " Exch. Fire Insurance Co., 

100 " Penn. Coal Co., . 

100 " Intern Ocean Tel. Co., . 
13 " National Bank of Commerce 
70 " L. Shore and Mich. So. R.R. 



Market value. 

$240,000 00 

24,300 00 

192,000 00 \ 

48,600 00/ 

2,000 00 ^ 

1,200 00 | 

8,360 00 

2,651 00 y 

700 00 
1,000 00 
3,180 00 j 
33,705 00 \ 
8,000 00 
25,375 00 J 
96,360 00 ) 
34,200 00 S 
26,700 00 ^ 
50,000 00 
10,850 00 
81,200 00 
25,000 00 <" 
7,875 00 
30,000 00 
12,600 00 J 
525 0(_P 
1,650 00 
4,500 00 
1,520 00 
3,500 00 
4,800 00 
1,925 00 
800 00 
1,000 00 
1,500 00 
4,000 00 
2,340 00 
13,120 00 
19,400 00 \ 
14,700 00 
20,000 00 J 
5,760 00 
4,080 00 ^ 
2,640 00 ' 



1,300 00 



y 



1,050 00 J 

18,000 00 a 

10,000 00 I 

19,500 00 J 

7,700 00 



Amount loaned 

$200,000 00 
150,000 00 



14,500 00 



50,000 00 
110,000 00 



155,000 00 



} 21,500 00 



3,250 00 

40,000 00 

3,500 00 

6,000 00 

15,000 00 
6,100 00 



1882.] 



OF OTHER STATES. 



63 



100 shares Del. and Hud. Canal, 
200 " Oregon and Trans'l Co., 
600 *« Del., Lack, and Western R.R., 
1,000 " N. Y , L. and Western R.R., . 
500 " Mo. and Pacific Railroad, 
200 " Union Pacific Railroad, . 
Chic, and Pacific Railroad bonds, 
Chic, and N. W. Railroad bonds, 
Chic , Burl, and Quincy Railroad bonds, . 
Rome, Wat'n and Ogdensburg R.R. bonds, 
Metropolitan Elevated Railroad bonds, 
Chic. & Pac. Div. C. M. & St. P. R.R. bd's, 
Chic, St. L. and N. O. R.R. bonds, . 
Mineral Point Div. C. M. & St. R R. bonds, 
Chesp. and O. Railroad bonds, 
Toledo D. and B. Railroad bonds, 
100 shares Metroporn Elevated Railroad, 
100 " Manhattan Railroad, 
200 " Central Pacific Railroad, . 
110 " Atch., Top. and S. Fe Railroad, 
100 " Central Railroad of New York, 
50 " Chic, Mil. and St. P. Railroad, 
400 " Chic, Mil. and St. P. Railroad, 
300 " Chic and N. W. Railroad, 
380 " New York Central Railroad, 
100 " Mo. Pacific Railroad, 
100 " Ills. Central Railroad 
100 " Chic, R. I. and Pac. Railroad, 
United States bonds, .... 
600 shares Del., Lack and W. Railroad, 
300 " Central Railroad of N. J., 

10 " Rock Island Railroad, 
Great Western Railroad bond, . 
Erie Railroad bonds, .... 
Winona and St. P. Railroad bonds, . 
200 shares Union Pacific Railroad, . 
100 " Chic, Cinn. and Col. Railroad 
200 " New York Central Railroad, 
700 " Phila and Reading Railroad, 
100 " Mich. Central Railroad, . 
150 " Chic,R. Land Pacific Railroad 
100 " Del. and Hudson, . 
300 " Chicago and N. W. Railroad, 
E. Tenn., Va, and Ga. Railroad bonds, 
Peoria, Dec. and Ev. Railroad bonds, 
N. Y., Chic, and St. L. Railroad bonds, 
Hannibal and St. Jo. Railroad bonds, 



Market value. 

$10,500 00 ^ 

16,800 00 I 

37,800 00 J* 

80,000 00 J 

50,000 00 ) 

20,000 00 S 

9,000 00^ 

5,000 00 

4,250 00 

4,200 00 

5,880 00 

4,550 00 

10,000 00 

22,500 00 

2,650 00 \ 

2,200 00 

8,300 00 

4,500 00 

17,400 00 

9,240 00 

7,000 00 

5,150 00 J 

48,000 00 "| 

43,500 00 | 

47,880 00 

10,000 00 

14,000 00 

12,000 00 J 

10,300 00 

37,800 00 

21,000 00 

1,200 00 

1,000 00 >| 

22,310 00 

5,250 00 

20,000 00 

8,000 00 

25,200 00 } 

18,200 00 

9,700 00 

18,000 00 

10,500 00 

42,200 00 

162,000 00 

65,520 00 

129,600 00 

18,720 00 



Amount loaned. 

$100,000 00 
60,000 00 



100,000 00 



150,000 00 

10,300 00 
50,000 00 



150,000 00 



} 



180,000 00 
115,000 00 



1,393,241 00 $1,753,950 00 



64 LIFE INSUEANCE COMPANIES |~ Dec - 31 > 

Schedule B. 

Stocks and Bonds owned by the Company. 

Cost value. Market value. 

United States bonds, . ... $1,008,953 72 $903,000 00 

Kings County bonds, . .... 144,70000 156,00000 

Brooklyn city bonds, . \ . . . . 383,697 50 564,000 00 



$1,537,351 22 $1,623,000 00 



HOMCEOPATIIIC MUTUAL LIFE INSURANCE COMPANY OF 

NEW YORK. 

[Incorporated July 18, 1868. Commenced business July 18, 1868.] 

Paid-up Capital," $100,000, 

Edwin M. Kellogg, President. Frank B. Mayhew, Secretary. 

Income. 

Total premium income, $91,523 97 

Cash received for interest on stocks, bonds and loans, . 31,349 87 

for interest on other debts due the company, 946 95 

for rents, 1,536 19 



Total income, ...... . $125,356 98 

Net or ledger assets Dec. 31, 1881, . . . 649,089 13 



Total, $774,446 11 

Disbursements. 

Cash paid for losses and additions, ..... $30,295 00 

Cash paid for matured endowments and additions, . . 8,919 00 



Gross amount paid for losses and endowments, . $39,214 00 

Cash paid for surrendered policies, 19,075 82 

surrender values, including reconverted additions 

applied in payment of premiums, . . . 8,650 00 
dividends paid policy-holders, $2,629.10; applied in 

payment of premiums, $2,583.38, . . . 5,212 48 



Total paid policy-holders, $72,152 30 

Cash paid for dividends to stockholders, .... 7,000 00 

for commissions to agents, .... 4,457 31 

for salaries and travelling expenses of agents, 6,392 99 

for medical examiner's fees, .... 1,188 22 



1882.] 



OF OTHER STATES. 



65 



Cash paid for salaries of officers and office employes, 

for taxes and fees, 

for rent, 

for commuting commissions, . 
for furniture and office fixtures, 
for advertising, ...... 

for incidentals, ...... 

expense on real estate, .... 

Total disbursements, 

Balance, 



$11,107 53 


1,227 


11 


2,250 


00 


168 


77 


149 


79 


641 


23 


7,326 


43 


328 


41 


$114,390 


09 


$660,056 02 



Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of real estate, 

Loans on mortgage of real estate (first liens),, 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 

deposited in bank, . . 

Bills receivable, 

Agents 1 ledger balances, 

Ledger assets (as per balance), . 



Other Assets. 

Interest due and accrued, .... 
Rents due and accrued, .... 
Market value of stocks and bonds, over cost, 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 

Total, 

Deduct loading (20 per cent.), . . 
Net am't uncollected and deferred prems., 



Total assets per company's books, 

Items not Admitted. 

Agents' balances, 

Bills receivable, 

Total 

Total admitted assets, 



$32,500 00 

313,200 00 

12,650 00 

10,246 77 

276,273 02 

481 17 

14,474 19 

111 20 

119 67 



$1,179 95 
15,831 00 


$660,056 02 

5,813 88 

100 00 

5,999 53 


$20,010 95 
4,002 19 


16,008 76 




D. 

$119 67 
111 20 


f687,978 19 
230 87 





$687,747 32 



6Q 



LIFE INSURANCE COMPANIES [Dec. 31, 



Liabilities. 
Computed premium reserve or net present value of all 

outstanding policies (Actuaries 1 4 per cent.), 
Deduct net value of re-insured risks, 



Net re-insurance reserve, . 
Death losses and matured endowments in 

process of adjustment, . 
Claims resisted by the company, 

Total policy claims, . 
Reserve on lapsed policies, 
Premiums paid in advance, 
Reserve for possible depreciation, 
All other liabilities, . 

Liabilities as to policy-holders, 
Surplus as regards policy-holders, 

Gross liabilities, . 



$7,384 00 
7,342 77 



$577,286 00 
8,811 00 

$568,475 00 



14,726 77 

6,000 00 

844 41 

7,000 00 

1,400 00 

$598,446 18 

89,301 14 

$687,747 32 



Exhibit of Policies. 

Policies and Additions in Force Dec. 31, 1881. 

Number. Amount. 

Whole-life policies, 1,780 $2,165,030 00 

Endowment policies 470 413,484 00 

All other policies, 207 417,063 00 



New Policies issued in 1882. 



Whole-life policies, . 
Endowment policies, 
All other policies, 



Whole-life policies, . 
Endowment policies, 
Additions by dividends, 



Total number and amount, 



Terminated by death, 

by maturity, . 

by expiry, . 

by surrender, 

by lapse, 

by change and decrease, 
Not taken, 

Total terminated, 



2,629 


550,199 00 


. 77 


44,471 00 


. 24 


44,885 00 


ring the Year. 




5 


23,000 00 


... 2 


10,000 00 


. 


3,070 00 


5,194 


$3,671,202 00 


ie during the Year 




Number. 


Amount. 


. 27 


$30,066 00 


6 


8,740 00 


. 40 


73,500 00 


. 84 


147,678 00 


. 482 


232,550 00 


. 36 


23,200 00 


. 249 


75,500 00 


. 924 


$591,234 00 



1882.] 



OF OTHER STATES. 



67 



Whole-life policies, . 
Endowment policies, 
All other policies, 



Policies in Force Dec. 31, 1882. 

Number. 

3,634 

453 

183 



Totals, 



Amount. 

£2,323,977 00 
381,043 00 
374,948 00 



4,270 $3,079,968 00 



Schedule A. 

Securities held as Collateral. 

Market value. 

Fifth National Bank stock, N. Y., . . $4,290 00 

Farragut Fire Insurance Co. stock, N. Y., 1,250 00 

Hamilton Fire Insurance Co. stock, N. Y., 1,062 00 

Town of- Arcadia, bonds, N.Y., . . 1,150 00 

Phenix Fire Insurance Co. stock, N. Y., . 14,000 00 

First Nat. Bank Stamford, stock, Conn., . 3,500 00 

Manhattan Fire Ins. Co. stock, N. Y., . 700 00 



Schedule B. 

Stocks and Bonds owned by 



United States bonds, . 

New York city bonds, 

Brooklyn city bonds, 

Buffalo city bonds, 

Arcadia, N. Y., town bonds, 

Second Ave. R.R., N. Y., . 

Third Ave. R.R., N. Y., . 

Broadway and Seventh Ave. R.R., N. Y., 

Dry Dock, E. B'd'y and Battery R R., N. Y. 

Central P'k, North and East Riv. R.R. N.Y. 

Bleeker St. and Fulton Ferry R.R. N. Y 

South Ferry R.R , N. Y., . ' . 

Twenty-Third St. R.R., N. Y., . 

Pelham, N. Y., town bonds, 



the Company. 

Cost value. 

$119,950 00 

6,000 00 

1,000 00 

1,000 00 

5,000 00 

46,000 00 

7,910 00 

4,000 00 

2,352 00 

33,985 47 

17,974 85 

25,000 00 

5,850 70 

250 00 



Amount loaned. 

$3,300 00 

650 00 

500 00 

1,000 00 

5,000 00 

2,000 00 

200 00 



$25,952 00 $12,650 00 



Market value. 

$119,950 00 

6,000 00 

1,000 00 

1,000 00 

5,000 00 

49,360 00 

7,910 00 

4,000 00 

2,352 00 

36,000 00 

17,974 85 

25,625 00 

5,850 70 

250 00 



$276,273 02 $282,272 55 



68 



LIFE INSURANCE COMPANIES [Dec. 31, 



MANHATTAN LIFE INSURANCE COMPANY OF NEW YORK. 

[Organized 1850. Commenced business August 1, 1850.] 

Paid-up Capital, $100,000. 

Henry Stokes, President. Henry Y. Wemple, Secretary. 



Income. 

Total premium income, 

Cash received for interest on stocks, bonds and loans, 

for interest on other debts due the company 
as discount on claims paid in advance, 
for rents of company's property, 
for profits on securities sold, 



Total income, .... 
Net or ledger assets Dec. 31, 1881, . 



Total, 



$1,013,921 10 

346,188 65 

190,340 77 

634 92 

66,046 38 

17,600 58 

$1,634,732 40 

9,977,949 24 



Disbursements. 

Cash paid for losses and additions, .... 
Premium notes or loans used in payment of same, . 
Cash paid for matured endowments and additions, . 
Premium notes or loans used in payment of same, . 

Gross amount paid for losses and endowments, 

Cash paid to annuitants, 

for surrendered policies, .... 
Premium notes or loans used in purchase of surrendered 

policies and voided by lapse, 

Cash dividends paid policy-holders, applied in payment of 

premiums, 

Premium notes or loans used in payment of dividends, 

Total paid policy-holders, 

Cash paid for dividends to stockholders, . 
for commissions to agents, 
for salaries and travelling expenses of agents 
for medical examiner's fees, 
for salaries of officers and office employes, 

for taxes and fees, 

for rent, 

for advertising, 

for incidentals, ...... 

for loss on United States bonds, paid off, 
for expense on real estate, 

Total disbursements, 

Balance, 



$11,612,681 64 



$498,222 23 

34,671 63 

120,155 89 

11,914 11 

|664,963 86 

4,142 36 

114,538 97 

55,863 97 

175,124 21 
9,238- 28 

$1,023,871 65 
40,000 00 
96,743 47 
8,806 91 
7,812 50 
58,491 03 
11,952 93 
10,500 00 
10,344 26 
26,798 12 
11,250 00 
40,478 17 

$1,347,049 04 



$10,265,632 60 



1882.] 



OF OTHEK STATES. 



69 



Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 

on collateral security (schedule A), 
Premium notes or loans on policies in force, . 
Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 

Cash deposited in bank, 

Ledger assets (as per balance), 



$1,038,217 99 

2,782,333 41 

3,893,556 61 

1,358,649 25 

1,180,183 72 

7,144 44 

5,547 18 

$10,265,632 60 



Other Assets. 

Interest due and accrued, 

Rents due and accrued, 

Market value of stocks and bonds, over cost, . 
Uncollected premiums on policies in force, $60,834 28 
Deferred premiums on policies in force, . 84,790 63 



Total, 

Deduct loading (20 per cent.), . 

Net amt. uncollected and deferred prems., 

Total assets per company's books, 



$ 145,624 91 
29,124 98 



101,775 93 

2,595 24 

175,973 03 



116,499 93 



. §10,662,476 73 



Liabilities. 
Computed premium reserve or net present value of all 

outstanding policies (Actuaries' 4 per cent.), 
Death losses due and unpaid, . . . $559 14 

Death losses and matured endowments in 

process of adjustment, .... 209,041 00 
Claims resisted by the company, . . 25,500 00 

Total policy claims, .... 

Unpaid dividends of surplus due policy-holders, 

All other liabilities, 



Liabilities as to policy-holders, 

Surplus as regards special policy-holders, $29,993 74 

as regards general policy-holders, 1,655,345 21 

Gross surplus as regards policy-holders, 



5,652,221 00 



235,100 14 
59,816 64 
30,000 00 

$8,977,137 78 



1,685,338 95 



Gross liabilities, 



,662,476 73 



Premium Note Account. 

Premium notes on hand, Dec. 31, 1881, . $1,422,402 54 

received during 1882, . 71,980 08 

Total, 



.,494,382 62 



70 



LIFE INSURANCE COMPANIES [Dec. 31, 

$46,585 74 



Used in payment of losses and claims, 

of surrendered policies 

and voided by lapse, . 55,863 97 
of dividends to policy- 
holders, . . . 9,238 28 
Redeemed by maker in cash, . . . 12,221 09 
Charged agents for collection, . . . 11,824 29 
Total, ....... 

Balance note assets Dec. 31, 1882, .... 



$135,733 37 
$1,358,649 25 



Exhibit of Policies. 

Policies and Additions in Force Dec. 31, 1881. 

Number. Amount. 

Whole-life policies, 10,256 $29,960,068 00 

Endowment policies, . . . . . 1,048 2,200,649 00 

Reversionary additions, - 93,722 00 



Neiv Policies issued in 1882. 



Whole-life policies, . 
Endowment policies, 
All other policies, 

Total number and amount, 



652 
555 



1,627,338 00 

1,195,690 00 

698,919 00 



12,511 $35,776,386 00 



Policies ceased to be in Force during the Year. 

Terminated by death, 

by maturity, 

by purchase, 

by lapse, 

by change, 
Not taken, 

Total terminated, 

Policies in Force Dec 



Number. 


Amount. 


. 211 


$533,453 00 


. 59 


132,070 00 


. 103 


368,142 00 


. 348 


982,014 00 


. 96 


353,112 00 


. 204 


717,125 00 


1,021 


$3,085,916 00 


;. 31, 1882. 




Number. 


Amount. 


10,144 $29,241,146 00 


1,346 


2,804,047 00 


. 


555,973 00 


. 


89,304 00 


11,490 | 


£32,690,470 00 



Whole-life policies, . 
Endowment policies, 
All other policies, 
Reversionary additions, 

Totals, 



Schedule A. 

Securities held as Collateral. 

Market value. 

Alton and Terre Haute R.R. stock, . . $43,500 00 
Bank of the Metropolis stock, . . . 11,700 00 

Boston Air Line R.R. stock, . . . 7,900 00 



Amount loaned. 



1882.] 



OF OTHER STATES. 



71 



Central Pacific R.R. stock, 

Central Park, No. and East R. R.R. stock, 

Central R.R. of New Jersey, stock, . 

Chesapeake and Ohio R.R. stock, 

Chicago, Burl, and Quincy R.R. stock, 

Chicago and Rock Island R.R. stock, 

Citizens 1 Bank stock, . 

Citizens' Gas Co. stock, 

Citizens 1 Insurance Co. stock, . 

Cleve., Col., Cin. and Ind. R.R. stock 

Delaware and Hudson Canal stock, 

Delaware, Lack, and Western R.R. stock 

Denver and Rio Grande R.R. stock, 

Erie R.R. stock, 

Hannibal and St. Joseph R.R. stock, 

Harlem R.R. stock, 

Illinois Central R.R. stock, 

Lake Shore R.R. stock, 

Manhattan Company stock, 

Manitoba R R. stock, . 

Metropolitan Gas Co. stock, 

Mercantile Trust Co. stock, 

Michigan Central R.R stock, . 

Minnesota and St. Louis R.R. stock, 

Missouri Pacific R.R. stock, 

New York Central R.R. stock, . 

N. Y., Lake Erie and Western R.R. stock 

Northern Pacific R.R. stock, 

Northwestern R.R. stock, . 

Omaha R R. stock, 

Oregon R and Nav. Co. stock, . 

Oregon and Transcontinental R.R. stock 

Philadelphia and Reading R.R. stock, 

Rock Island R.R. stock, 

St Nicholas Bank stock, . 

St. Paul R.R. stock, . 

San Francisco R R. stock, . 

Shoe and Leather Bank stock, . 

Union Pacific R.R. stock, . 

Union Trust Co. stock, 

United States Express Co. stock, 

Wabash R.R. stock, . 

Wells, Fargo & Co. express stock, 

Western Union Tel. Co. stock, . 

California state bonds, 

Central Pacific R.R. bonds, 

Chicago and St. Louis R.R. bonds, 

Denver and Rio Grande R.R. bonds, 



Market vaule. 

$200,291 00 

145,000 00 

7,000 00 

4,000 00 

79,910 00 

12,500 00 

11,000 00 

840 00 

1,500 00 

33,500 00 

21,600 00 

76,800 00 

1,400 00 

24,000 00 

29,200 00 

20,000 00 

28,500 00 

234,475 00 

6,600 00 

14,200 00 

1,960 00 

140,000 00 

68,600 00 

14,400 00 

92,820 00 

520,200 00 

191,564 00 

229,625 00 

535,500 00 

331,500 00 

123,300 00 

183,000 00 

87,450 00 

175,000 00 

1,680 00 

241,275 00 

15,100 00 

16,250 00 

198,900 00 

5,800 00 

12,600 00 

18,980 00 

2,600 00 

439,425 00 

2,000 00 

3,480 00 

4,800 00 

3,700 00 



Amount loaned. 



72 



LIFE INSURANCE COMPANIES [Dec. 31, 



Iowa Midland R.R. bonds, 

Iron Mountain R.R. bonds, 

Jersey city bonds, .... 

Kansas Pacific R.R. bonds, 

Lehigh and Wilkesbarre R.R. bonds, 

Little Miami R.R. bonds, . 

Metropolitan Elevated R.R. bonds, . 

Missouri, Kansas and Texas R.R. bonds, 

New York city bonds, 

New York Elevated R.R. bonds, 

N. Y., Lake E. and Western R.R. bonds, 

Northern Pacific R.R. bonds, 

Northwestern R.R. bonds, . 

Ohio Central R.R. bonds, . 

Oregon and Transcontinental R.R. bonds 

Oregon R. and Nav. Co. bonds, 

Oregon Short Line R.R. bonds, . 

St. Paul R.R. bonds, .... 

Texas and Pacific R.R. bonds, . 

Third Ave., N. Y„ R.R. bonds, . 

Troy and Boston R.R. bonds, . 

Union Pacific R.R. bonds, . 

United States bonds, .... 

Wabash R.R. bonds, 



Market value. 

$39,000 00 

3,800 00 

1,000 00 

1,000 00 

18,100 00 

2,000 00 

22,400 00 

12,600 00 

12,700 00 

3,500 00 

49,960 00 

21,200 00 

6,250 00 

4,700 00 

1,000 00 

2,200 00 

4,000 00 

2,800 00 

40,700 00 

11,200 00 

1,000 00 

1,000 00 

11,539 00 

6,8 JO 00 

$4,957,377 00 



Amount loaned. 



13,556 61 



Schedule B. 

Bonds and Stocks owned by the Company. 

Cost value. 

$513,472 60 



United States bonds, . 

Virginia State bonds, 

Westchester county, N. Y., bonds, 

New York city bonds, 

Brooklyn city bonds, . 

Central Park, N. and E. Riv. R.R. bonds, 

Bank of Commerce stock, . . . 



4,500 00 

3,138 56 

447,162 56 

100,500 00 

106,950 00 

4,460 00 



Market value 

$597,500 00 

7,041 25 

2,000 00 

486,375 50 

146,000 00 

109,740 00 

7,500 00 



,180,183 72 $1,356,156 75 



1882.] 



OF OTHER STATES. 



73 



METROPOLITAN LIFE INSURANCE COMPANY OF NEW 

YORK. 

[Incorporated January, 1866. Commenced business June, 1867.] 

Paid-up Capital $100,000. 

Joseph F. Knapp, President. John R. Hegeman, Vice-President, and 

Secretary. 



Income. 

Total premium income, . . . . 

Cash received for interest on stocks, bonds and loans, . 
for interest on other debts due the company, 
for rents of company's property, 



Total income, 
Net or ledger assets Dec. 31, 1881, 



$1,246,514 64 

73,211 28 

2,796 94 

31,744 83 

$1,354,267 69 
1,741,370 52 



Total, $3,095,638 21 



Disbursements. 
Cash paid for losses and additions, .... 
Premium notes or loans used in payment of same, . 
Cash paid for matured endowments and additions, 
Premium notes or loans used in payment of same, . 

Gross amount paid for losses and endowments, 
Cash paid for surrendered policies, .... 
Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, .... 
Cash dividends paid policy-holders applied in payment 

of premiums, 

Premium notes or loans used in payment of dividends, 

Total paid policy-holders, . . . . . 
Cash paid for dividends to stockholders, . 
for commissions to agents, 
for salaries and travelling expenses of agents 
for medical examiner's fees, 
for salaries of officers and office employes, 

for taxes and fees, 

for rent, 

for commuting commissions in industrial 

branch, 

for advertising and incidentals, 

for expenses in industrial branch, . 

for depreciation, . . 

Total disbursements, 



Balance, 



$366,196 68 
3,117 02 

72,587 82 
3,618 18 



5,519 70 
95,153 10 

17,495 77 

60,968 85 
1,480 29 



$620,617 71 

7,000 00 

167,884 m 

159,924 78 

22,428 50 

48,229 96 

9,152 57 

25,004 76 

171,407 44 

32,237 87 

87,762 65 

3,750 83 

$1,355,401 73 

$1,740,236 48 



74 



LIEE INSURANCE COMPANIES [Dec. 31, 



Invested in the following: — 

Assets as per Ledger Accounts. 
Cost value of real estate, . . ... 
Loans on mortgage of real estate (first liens),. 

on collateral security (schedule A), 
Premium notes or loans on policies in force, 
Cost value of stocks and bonds owned (schedule B), 
Cash in company's office and in bank, 

Bills receivable secured, 

Furniture and fixtures, . . . . 

Ledger assets (as per balance), 

Other Assets. 

Interest due and accrued, 

Rents due and accrued, 

Market value of real estate, over cost, 

of stocks and bonds, over cost, . 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 



Total, 

Deduct loading (20 per cent.), . 

Net am't uncollected and deferred prems., 



$74,457 80 
64,267 87 

$138,725 67 
27,745 13 



Total assets per company's books, .... 

Items not Admitted. 
Office furniture, etc., 

Total admitted assets, 

Liabilities. 

Computed premium reserve or net present value of all 

outstanding policies (Actuaries 1 4 per cent.), 
Losses and endowments unpaid, 
Deferred and unpaid prems. in excess of reserve, . 

Liabilities as to policy-holders, 

Surplus belonging to reserve endowment . 

policies, $191,786 00 

as regards general policy-holders, . 107,005 13 
Gross surplus as regards policy-holders, 

Gross liabilities, 

Premium Note Account. 

Premium notes on hand Dec. 31, 1881, . $197,598 48 

received during 1882, . 17,015 70 

Total, 



$320,118 67 

546,700 00 

110,000 00 

188,602 92 

542,267 57 

21,810 56 

1,000 00 

9,736 76 

$1,740,236 48 



9,045 11 

4,250 00 

74,381 33 

74,307 43 



110,980 54 
12,013,200 89 

9,736 76 



$2,003,464 13 



$1,676,587 00 

20,500 00 

7,586 00 

$1,704,673 00 



298,791 13 
$2,003,464 13 



$214,314 18 



1882.] 



OF OTHER STATES. 



75 



Used in payment of losses and claims, . $6,735 20 
of surrendered policies 

and voided by lapse, . 17,495 77 
of dividends to policy- 
holders, . . . 1,480 29 
Total, 

Balance note assets Dec. 31, 1882, .... 

Exhibit of Policies. 

Policies and Additions in Force Dec. 31, 1881. 



$25,711 26 



$188,602 92 



Number. 


Amount. 


Whole-life policies, 5,989 


$9,303,020 00 


Endowment policies, . . . . . . 300 


91,193 00 


All other policies, 36 


39,520 00 


New Policies issued in 1882. 




Whole-life policies, ....... 163 


88,765 00 


Endowment policies, 5 


121,571 00 


All other policies, 4 


5,303 00 


Total number and amount, . . . 6,497 


$9,649,372 00 


Policies ceased to be in Force during the Year. 


Number. 


Amount. 


Terminated by death, 87 


$89,030 00 


by maturity, 124 


76,206 00 


by surrender, 246 


577,191 00 


by lapse, 178 


310,500 00 


by change and decrease, ... 1 


10,000 00 




20,000 00 


Total terminated, 654 


$1,082,927 00 


Policies in Force Dec. 31, 1882. 




Number. 


Amount. 



Number. 


Amount. 


5,651 


$8,411,812 00 


158 


113,619 00 


34 


41,014 00 


5,843 


$8,566,445 00 


. 335,789- $34,679,307 00 


. 


$279,283 70 



Whole-life policies, . 
Endowment policies, . 
All other policies, 

Totals,. 
Industrial policies in force, 
Industrial claims paid, 

Schedule A. 
Securities held as Collateral. 

Market value. 

Delaware and Hudson Canal Co. bonds, . $25,630 00 A 

Erie Consolidated bonds, .... 25,800 00 / 

Kings county bonds, ..... 18,375 00 A 

N. Y., Chicago and St. Louis R.R. bonds, 19,400 00 / 
St. Paul, Minn and Man. Railroad bonds, 
Chic, Mil. and St. Paul Railroad bonds, , 



10,700 00 ^ 
21,400 00/ 



Amount loaned. 

$46,500 00 
34,500 00 
29,000 00 



$121,305 00 $110,000 00 



76 



LIFE INSURANCE COMPANIES [Dec. 31, 



Schedule B. 

Bonds owned by the Company. 

Cost value. 

United States bonds, $193,288 03 

Brooklyn Bridge bonds, .... 43,896 82 

Rochester city bonds, . . 97,152 51 

Brooklyn water bonds, .... 31,452 82 

Lockport city bonds, . . . . 43,587 40 

Kings county bonds, .... 25,442 12 

Albany and Susquehanna Railroad bonds, 22,710 00 

Peekskill city bonds, 25,872 60 

Chic, Milwaukee and St. Paul R.R. b'ds, . 10,705 00 

Jersey City bonds, 48,160 27 



Market value. 

$214,810 00 
53,300 00 
121,500 00 
35,250 00 
50,000 00 
25,500 00 
22,710 00 
33,750 00 
10,705 00 
49,050 00 



$542,267 57 $616,575 00 



MUTUAL LIFE INSURANCE COMPANY OF NEW YORK. 

[Incorporated April, 1842. Commenced business Feb. 1, 1843.] 

F. S. Winston, President. Isaac F. Lloyd, Secretary. 



Income. 

Total premium income, $12,845,592 86 

Cash received for interest on stocks, bonds and loans, . 3,904,714 84 
for interest on other debts due the company, 944,206 56 
for rents of company's property, . . 229,844 39 



Total income, 
Net or ledger assets Dec. 31, 1881, 



Total, 



. $17,924,358 65 
. 89,618,413 97 



$107,542,772 62 



Disbursements. 
Cash paid for losses and additions, .... 
for matured endowments and additions, . 

Gross amount paid for losses and endowments, 
Cash paid to annuitants, ...... 

Cash paid for surrendered policies and additions, . 
Cash dividends paid policy-holders, applied in paj'ment 
of premiums, 



Total paid policy-holders, 

Cash paid for commissions to agents, 

for salaries and expenses of law department, 
for medical examiner's fees and expenses, 
for salaries of officers and office employes, 
for taxes and fees, 



$4,743,153 40 

1,288,759 80 

$6,031,913 20 

24,046 55 

3,653,554 66 

3,139,320 83 

$12,848,835 24 

842,322 91 

102,301 35 

93,863 61 

280,026 11 

243,059 06 



1882.] 



OF OTHER STATES. 



77 



Cash paid for rent, 

for contingent guarantee account, 

for advertising, . 

for incidentals, .... 

Total disbursements, .... 



$6,000 00 

29,703 77 

39,575 20 

274,099 29 



$14,759,786 54 



Balance . $92,782,986 08 



Invested in the following : — 

Assets as per Ledger Accounts. 

Present value of real estate, 

Loans on mortgage of real estate (first liens), 

on collateral security (schedule A), 
Tar value of stocks and bonds owned (schedule B), 
Cash in company's office and in bank, 

Ledger assets (as per balance), 



Other Assets. 

Interest due and accrued, .... 
Market value of stocks and bonds over par, 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 



Total, 

Deduct loading (20 per cent.), . 

Net am't uncollected and deferred prems., 

Total assets per company's books, 



$115,527 40 

959,242 61 

,074,770 01 

214,954 00 



$7,851,516 39 

47,350,317 82 

17,099,960 00 

17,751,805 00 

2,729,386 87 



12,782,986 08 



1,236,731 63 
2,866,830 00 



859,816 01 



17,746,363 72 



Liabilities. 

Computed premium reserve or net present value of all 

outstanding policies (Actuaries 1 4 per cent.), . . $90,210,431 00 

Death losses due and unpaid, . . . $35,812 00 

Death losses and matured endowments in 

process of adjustment, .... 814,308 00 

Claims resisted by the company, . . 127,326 00 
Total policy claims, . 

Due to agents, .... 

Due for premiums paid in advance, 

for liability under non-forfeiture clause, . 

Liabilities as to policy-holders, 

Surplus as regards tontine policy-holders, $64,664 65 

as regards other policy-holders, . 6,460,092 21 

Gross surplus as regards policy-holders, 



977,446 00 

10,928 31 

19,795 55 

3,006 00 



'1,221,606 86 



6,524,756 86 



Gross liabilities, . 



. |97,746,363 72 



78 



LIFE INSURANCE COMPANIES [Dec. 31, 



Exhibit of Policies. 

Policies and Additions in Force Dec. 31, 1881. 

Number. Amount. 

Whole-life policies 84,4^3 $248,063,058 00 

Endowment policies, . ...... 16,993 42,461,86200 

All other policies 14 6,700 00 

Reversionary additions, - 25,368,517 00 



New Policies issued in 1882. 



Whole-life policies, 
Endowment policies, 



6,673 18,456,825 00 
4,197 11,635,680 00 



Old Policies revived during the Year. 

Whole-life policies, . 459 1,466,430 00 

Endowment policies, 87 216,580 00 

Additions by dividends, ....... 5,458,943 00 



Total number and amount, 



112,906 $353,134,595 00 



Policies ceased to be in Force during the Year. 

Terminated by death, 

by maturity, . 

by surrender, 

by lapse, 

change and decrease, 



Not taken, 



Total terminated, 



lumber. 


Amount. 


1,297 


$4,794,647 00 


477 


1,288,760 00 


1,669 


8,893,235 00 


2,078 


5,154,454 00 


- 


142,310 00 


1,171 


3,307,015 00 



6,692 $23,580,421 00 



Policies in force Dec. 31, 1882. 

Number. Amount. 

Whole-life policies 87,043 $254,926,707 00 

Endowment policies, 19,157 48,787,097 00 

All other policies, 14 6,700 00 

Reversionary additions, - 25,833,670 00 



Totals, 



106,214 $329,554,174 00 



Schedule A. 



Securities held as 

Atchison, Topeka and Santa Fe stock, 
Adams Express Co. stock, 
American Express Co. stock, 
Boston and New York Air Line stock, 
Bank of America stock, 
Chicago and Northwestern stock, 
Chicago and Northwestern bonds, . 



Collateral. 

Market value. 

$25,800 00 
49,312 00 
18,400 00 
32,500 00 
15,600 00 
1,809,820 00 

589,170 00 



Amount loaned. 



1882.] 



OF OTHER STATES. 



79 



Chicago, Milwaukee and St. Paul stock, . 
Chicago, Milwaukee and St. Paul bonds, . 
Chicago, Rock Island and Pacific stock, . 
Chicago, Burlington and Quincy stock, . 
Chicago, Burlington and Quincy bonds, . 
Chicago and Alton stock, . 
Cleveland, Col., Cin. and Ind. stock, 
Cleveland, Col., Cin. and Ind. bonds, 
Chicago, St. Paul, Minn, and Omaha stock, 
Chicago, St. Paul, Minn. and Omaha bonds, 
Central Pacific stock, 
Central Pacific bonds, 
Canada Southern stock, 
Canada Southern bonds, . 
Cleveland and Pittsburgh stock, 
Cent. R.R. and Bank Co. of Ga. stock, 
Cent. R.R. and Bank Co. of Ga. bonds, 
Del., Lackawanna and Western stock, 
Delaware and Hudson stock, 
Delaware and Hudson bonds, . 
Danbury and Norwalk stock, . 
Dubuque and Sioux City stock, . 
Georgia R.R. and Bank Co. stock, 
Georgia R.R. and Bank Co. bonds, 
Hannibal and St. Joseph stock, . 
Hannibal and St. Joseph bonds, 
Harlem stock, .... 
Hanover Bank stock, . 
Illinois Central stock, 
Lake Shore and Michigan So. stock, 
Lake Shore and Michigan So. bonds, 
Michigan Central stock, 
Michigan Central bonds, . 
Missouri Pacific stock, 
Missouri Pacific bonds, 
Metropolitan Elevated stock, 
Metropolitan Elevated bonds, 
Marine National Bank stock, 
Manhattan Gas stock, 
Metropolitan Gas stock, 
Municipal Gas stock, 
Mechanics 1 National Bank stock 
Manhattan 1st stock, . 
Morris and Essex stock, 
Northern Pacific stock, 
Northern Pacific bonds, 
New York Ferry Co. stock, 
N. Y. Cent, and H. R.R. stock, 



Market value. 

L,418,056 00 

215,620 00 

686,308 00 

616,845 00 

22,000 00 

164,820 00 

159,900 00 

8,440 00 

535,800 00 

47,960 00 

685,420 00 

170,960 00 

20,100 00 

8,820 00 

11,200 00 

75,810 00 

67,800 00 

275,200 00 

291,600 00 

18,190 00 

17,500 00 

8,8)0 00 

14,000 00 

18,400 00 

3,750 00 

405,600 00 

405,000 00 

13,500 00 

71,000 00 

804,840 00 

439,440 00 

230,000 00 

198,900 00 

683,400 00 

10,800 00 

136,950 00 

83,100 00 

7,000 00 

26,250 00 

2,700 00 

34,000 00 

11,310 00 

149,400 00 

6,200 00 

212,700 00 

10,550 00 

59,250 00 

784,860 00 



Amount loaned. 



80 



LIFE INSURANCE COMPANIES [Dec. 31, 



N. Y. Cent, and H. R R. bonds, . 
New York Elevated stock, 
New York Elevated bonds, . > . 
N. Y., Lake Erie and Western stock, 
N. Y., Lake Erie and Western bonds, 
N. Y. Sleeping Car Co. stock, . 
N. Y., Lackawanna and Western stock, 
N. Y., Lackawanna and Western bonds, 
Oregon R. and Nav. Co. stock, . 
Oregon and Transcontinental stock, . 
Oregon and Transcontinental bonds, 
Pacific Bank stock, 
Pennsylvania Coal Co. stock, . 
Pittsburgh, Fort Wayne and Chic, stock, 
Pullman Palace Car Co. stock, . 
Philadelphia and Reading stock, 
Second Ave. R.R. stock, 
St. Louis, Alton and Terre Haute stock, 
St. Louis, Alton and Terre Haute bonds, 
St. Louis and San Francisco stock, . 
St. Louis and San Francisco bonds, . 
St. Paul, Minn, and Manitoba stock, . 
St. Paul, Minn, and Manitoba bonds, 
Union Pacific stock, .... 
Union Pacific bonds, .... 
United States Express stock, 
Western Union Telegraph Co. stock, 
Western Union Telegraph Co. bonds, 
Wells, Fargo & Co. Express stock, . 
Wall Street Bank stock, 
Atlantic and Pacific bonds, 
Bleecker St. and Fulton Ferry bonds, 
Burlington, Cedar Rap. and Nor. bonds, 
Columbus, Hocking Val. and Tol. bonds 
Columbus and Indianapolis Cent, bonds, 
Chicago city bonds, . 
Cincinnati city bonds, 
Cincinnati hospital bonds, 
Cairo and Fulton bonds, . 
Central Iowa bonds, . 
Chesapeake and Ohio bonds, 
Chicago and East Illinois bonds, 
Central R.R. of N. J. bonds, 
Denver and Rio Grande bonds, 
Detroit, Monroe and Toledo bonds, 
Dry Dock, E. Broadway and Bat'ry bonds 
Denver, So. Park and Pacific bonds, 
Evansville and Terre Haute bonds, . 



Market value. 

$66,000 00 
20,000 00 
82,600 00 
43,500 00 
415,530 00 
51,275 00 
8,300 00 
91,840 00 
320,850 00 
394,800 00 
5,000 00 
2,800 00 
10,000 00 
35,000 00 
948,330 00 
1,908 00 
18,000 00 
4,750 00 
29,250 00 
45,000 00 
90,160 00 
644,930 00 
2,140 00 
991,375 00 
29,400 00 
6,500 00 
637,960 00 
4,640 00 
37,500 00 
20,000 00 
56,260 00 
13,200 00 
3,030 00 
500 00 
27,500 00 
7,200 00 
30,000 00 
62,500 00 
4,400 00 
4,440 00 
2,320 00 
5,000 00 
96,800 00 
2,760 00 
6,150 00 
23,400 00 
27,840 00 
63,000 00 



Amount loaned. 



1882.] 



OF OTHER STATES. 



81 



Elizabeth City and Norfolk bonds, . 

Gold and Stock bonds, . 

Galveston, Harrisb'g and San Ant. bonds 

Great Western bonds, 

Houston and Texas Cent, bonds, 

Hudson county bonds, 

Indiana, Bloom, and West, bonds, 

International and Gt. Northern bonds, 

Jersey City bonds, . 

Jefferson bonds, .... 

Kansas Pacific bonds, 

Lincoln Park, Chicago, bonds, . 

Lafayette, Bloom, and Muncie bonds, 

Louisville and Nashville bonds, 

Lake Erie and Western bonds, . 

Long Dock Improvement Co. bonds, 

Lehigh and Wilkesbarre bonds, 

Missouri, Kansas and Texas bonds, . 

Milwaukee, Lake Shore and West, bonds 

Minneapolis and St. Paul bonds, 

Mutual Union bonds, 

North Missouri bonds, 

Norfolk and Western bonds, 

N. Y., Chicago and St. Louis bonds, . 

New Orleans and Pacific bonds, 

Nashville, Chattanooga and St. Louis b'ds 

Ohio Central bonds, .... 

Oregon Short Line bonds, . 

Ohio Southern bonds, 

Peoria, Decatur and Evansville bonds, 

Pennsylvania bonds, .... 

Pensacola and Atlantic bonds, . 

Panama bonds, 

Rochester and Pittsburgh bonds, 
Richmond, York and Chesapeake bonds, 
Richmond and Allegheny bonds, 
St. Louis and Iron Mountain bonds, . 
So. Pacific of Missouri bonds, . 
So. Carolina bonds, .... 
St. Louis, Fort Scott and Wichita bonds, 
St. Louis, Kan. City and Northern bonds 
St. Paul and Sioux City bonds, . 
Southern Pacific bonds, 
Toledo and Wabash bonds, 
Toledo, Peoria and Western bonds, . 
Tonowanda and Cuba Valley bonds, 
Texas Pacific bonds, .... 
Texas and St. Louis bonds, 



Market value. 

$14,250 00 

4,400 00 
210,790 00 
47,000 00 
299,320 00 
17,600 00 
24,990 00 
48,150 00 

5,750 00 
10,500 00 
62,250 00 

2,200 00 
11,000 00 

5,000 00 
39,000 00 

3,510 00 

240,380 00 

171,700 00 

49,500 00 

39,780 00 

7,500 00 
15,860 00 

1,000 00 
20,160 00 
40,050 00 
94,770 00 
31,150 00 
29,000 00 

4,200 00 

3,090 00 

99,750 00 

900 00 

17,850 00 

30,900 00 

16,200 00 

44,280 00 

55,150 00 

123,375 00 

134,000 00 

30,000 00 

8,560 00 
41,810 00 
25,750 00 
28,420 00 
13,080 00 
15,000 00 
317,230 00 
13,500 00 



Amount loaned. 



82 



LIFE INSURANCE COMPANIES [Dec. 31 



Terre Haute and Indianapolis bonds, 

United States 4 per cent, bonds, 

Utah Southern bonds, 

Wabash, St. Louis and Pacific bonds, 

Western Pacific bonds, 

Yonkers city bonds, .... 

City of New Brunswick bonds, 

City of Jersey City bonds, 



Market value. 

$10,000 00 

7,560 00 

10,800 00 

157,200 00 

10,080 00 

3,330 00 

12,000 00 

100,000 00 



Amount loaned. 



$21,296,864 00 $17,099,960 00 



Schedule B. 

Bonds owned by the Company. 

Tat value. 



United States bonds, . 

District of Columbia bonds, 

Missouri state bonds, 

Massachusetts state bonds, 

Cherry Valley (N. Y.) bonds, . 

Yonkers (N. Y.) bonds, 

North Plainfield (N. Y.) bonds, 

New York City (N. Y.) bonds, . 

Buffalo (N. Y.) bonds, 

Elmira (N. Y.) bonds, 

Boston (Mass.) bonds, 

San Francisco (Cal.) bonds, 

Providence (R. I.) bonds, . 

Brooklyn, (N. Y.) bonds, . 

Newark (N. J.) bonds, 

New Brunswick (N. J.) bonds, 

Elizabeth (N. J ) bonds, . 

Jersey City (N. J.) bonds, 

Union Co. (N. J.) bonds, . 

Middlesex Co. (N. J.) bonds, . 

Hudson Co. (N. J.) bonds, 

Milwaukee (Wis.) bonds, . 

Essex Co. (N. J.) bonds, . 

Michigan Central Railroad bonds, 

Lake Erie and Western Railroad bonds, 

Cleve., Col., Cin. and Ind. R.R. bonds, 

Chicago, Mil. and St. Paul R R. bonds, 

Del. and Hudson Canal Co. bonds, . 

Laf., Burl, and Muncie Railroad bonds, 

Susq., Bing. and N. Y. Railroad bonds, 

So. Pacific of Missouri Railroad bonds, 

Ind., Dec. and Springfield Railroad bonds 

Cincinnati and Springfield R.R. bonds, 

Albany and Susq. Railroad bonds, . 



$2,260,000 00 
1,022,100 00 
379,000 00 
150,000 00 
23,500 00 
113,000 00 
19,000 00 
2,553,200 00 
140,500 00 
48,000 00 
1,000,000 00 
545,500 00 
500,000 00 
1,253,000 00 
675,000 00 
26,500 00 
7,505 00 
29,000 00 
83,000 00 
5,000 00 
118,000 00 
175,000 00 
8,000 00 
250,000 00 
125,000 00 
212,000 00 
632,000 00 
387,000 00 
125,000 00 
238,000 00 
201,000 00 
196,000 00 
179,000 00 
100,000 00 



Market value. 

$2,564,660 00 
1,188,845 00 
426,930 00 
172,265 00 
23,500 00 
151,750 00 
20,308 00 
2,937,747 00 
161,997 00 
55,760 00 
1,180,000 00 
561,865 00 
585,000 00 
1,745,080 00 
757,562 00 
28,700 00 
7,129 00 
31,900 00 
91,300 00 
5,587 00 
140,620 00 
206,785 00 
9,220 Q0 
272,500 00 
126,250 00 
256,520 00 
745,810 00 
485,200 00 
126,250 00 
297,500 00 
211,050 00 
199,920 00 
212,020 00 
125,000 00 



3882.] 



OF OTHER STATES. 



83 



Cin., Ham. and Dayton Railroad bonds, . 
Chic, and So. Western Railroad bonds, . 
Chic., St. P., Minn and Omaha R.R. bonds 
Cedar Rapids, I. F. and N. W. R.R. bonds 
Flint and Pere Marquette R.R. bonds, 
N. Y., Lack, and Western R.R. bonds, 
Cent. R.R and Banking Co., Ga bonds, 
Rome, Watertown and Og. R R. bonds, 
Baltimore and Ohio Railroad bonds, 
Morris and Essex Railroad bonds, . 
Northern Pacific Railroad bonds, 
Chesapeake and Ohio Railroad bonds, 
So. Carolina Railroad bonds, 



Par value. 

$300,000 00 

400,000 00 
200,000 00 

148,000 00 

250,000 00 

1,000,000 00 

,580,000 00 

34,000 00 

100,000 00 
100,000 00 

250,000 00 

461,000 00 

150,000 00 



Market value. 

$343,390 00 
498,000 00 
219,000 00 
156,880 00 
282,500 00 

1,120,000 00 
655,400 00 
38,760 00 
116,000 00 
122,000 00 
262,500 00 
541,675 00 
150,000 00 



$17,751,805 00 $20,618,635 00 



MUTUAL BENEFIT LIFE INSURANCE COMPANY OF NEWARK, 

N. J. 
[Incorporated Jan. 31, 1845. Commenced business April, 1845] 
Amzi Dodd, President. Edward L. Dobbins, Secretary. 



Income. 

Total premium income, 

Cash received for interest on stocks, bonds and loans, 

for interest on other debts due the company, 
as discount on claims paid in advance, 
for rents of company's property, 
for profit and loss account, 

Total income, 

Net or ledger assets Dec. 31, 1881, .... 



$4,043,812 22 

1,410,360 64 

339,325 42 

3,660 93 

57,070 50 

183,569 77 

$6,037,799 48 
33,189,621 62 



Total, $39,227,421 10 

Disbursements. 

Cash paid for losses and additions, $2,225,808 26 

Premium notes or loans used in payment of same, . . 131,360 10 

Cash paid for matured endowments and additions, . . 253,222 85 

Premium notes or loans used in payment of same, . . 11,841 32 

Gross amount paid for losses and endowments, . $2,622,232 53 

Cash paid to annuitants, . 8,261 71 

for surrendered policies, 263,988 51 

Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, 106,538 25 

Cash surrender values, including reconverted additions 

applied in payment of premiums, . . 197,913 06 



84 



LIFE INSURANCE COMPANIES [Dec. 31, 



Cash dividends paid policy-holders, $147,510.97 ; applied 

inpayment of premiums, $1,030,608.29, . . . $1,178,119 26 

Premium notes or loans used in payment of distributions, 29,218 29 

Total paid policy-holders, . $1,406,271 61 

Cash paid for commissions to agents, .... 347,194 98 

for salaries and travelling expenses of agents, 10,205 97 

for medical examiner's fees, .... 27,801 64 

for salaries of officers and office employes, . 110,092 88 

for taxes and fees, 114,850 96 

for furniture and office fixtures, . . . 1,168 11 

for incidentals, 74,144 78 

$5,091,730 93 



Total disbursements, . 
Balance, 



. $34,135,690 17 



Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), . 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Ledger value of stocks and bonds owned (schedule B), 

Cash in company's office, 

deposited in bank, 

Agents' ledger balances, 



$2,466,795 80 

6,656,355 42 

12,440,000 00 

23,234 63 

3,885,150 25 

7,807,924 81 

99,658 32 

755,362 67 

1,208 27 



Ledger assets (as per balance), 



. $34,135,690 17 



Other Assets. 

Interest due and accrued, 

Market value of stocks and bonds, over ledger value, 
Uncollected premiums on policies in force, $69,285 29 
Deferred premiums on policies in force, . 197,915 58 



Total, $267,200 87 

Deduct loading (20 per cent.), . . . 53,440 17 

Net am't uncollected and deferred prems., 

Total assets per company's books, 



602,457 82 
1,350,271 14 



213,760 70 



$36,302,179 83 



Items not Admitted. 



Agents' balances, 

Total admitted assets, 



1,208 27 



,300,971 56 



1882.] 



OF OTHEE STATES. 



85 



Liabilities. 
Computed premium reserve or net present value of all 

outstanding policies (Actuaries' 4 per cent.), 
Death losses and matured endowments in 

in rocess of adjustment, . . . $282,991 00 

Claims resisted by the company, . . 32,000 00 

Total policy claims, . . . 

Unpaid dividends of surplus due policy-holders 
Premiums paid in advance, 

Liabilities as to policy-holders, . 
Surplus as regards policy-holders, . 



Gross liabilities, 



. $32,925,727 00 



314,991 00 

192,950 37 

5,743 98 

$33,439,412 35 
2,861,559 21 



$36,300,971 56 



Premium Note Account. 

Premium notes on hand, Dec. 31, 1881, . $3,915,269 51 

received during 1882, . 267,229 79 

Total, $1,182,499 30 

Used in payment of losses and claims, . $143,20142 
of surrendered policies, 

and voided by lapse, . 106,538 25 
of dividends to policy- 
holders, . . . 29,218 29 
Redeemed by maker in cash, . . . 18,391 09 

Total, 297,349 05 

Balance note assets, December 31, 1882, . . . $3,885,150 25 

Exhibit of Policies. 
Policies and Additions in Force December 31, 1881. 

Number. Amount. 

Whole-life policies 41,444 $115,136,435 00 

Endowment policies, 4,261 9,529,992 00 

All other policies, 947 2,745,250 00 



New Policies issued in 1882. 



Whole-life policies, . 
Endowment policies, . 
All other policies, 



2,743 

1,137 

475 



Old Policies revived during the Year. 

Whole-life policies, 17 

Endowment policies, - 

Old Policies increased during the Year. 

Whole-life policies, 2 

Endowment policies, 2 

All other policies, 1 



7,164,402 00 
2,500,277 00 
1,282,550 00 



66,650 00 
900 00 



Total number and amount, 



1,666 00 

4,700 00 

10,000 00 

51,029 $138,442,822 00 



86 



LIFE INSUKANCE COMPANIES [Dec. 31, 



Policies ceased to be in Force during the Year. 



Terminated by death, 

by maturity, . 

by expiry, 

by surrender, 

by lapse, 

by change and decrease, 

by transfer, . 



Not taken, 



Total terminated, 



Number. 


Amount. 


672 


$2,115,439 00 


109 


268,297 00 


139 


364,100 00 


505 


1,263,136 00 


672 


1,589,983 00 


710 


2,321,112 00 


4 


15,500 00 


381 


886,150 00 



3,192 $8,823,717 00 



Policies in Force Dec. 31, 1882 , 



Whole-life policies, . 
Endowment policies, . 
All other policies, 

Totals, 
Annuity bonds in force, 



Number. Amount. 

41,791 $115,425,010 00 
4,838 10,799,245 00 
1,208 3,394,850 00 



47,837 $129,719,105 00 
32 $10,105 00 



Schedule A. 



Securities held as Collateral. 

Market value. 

$2,342,750 .00 
217,980 00 



United States bonds, .... 
New York Central Railroad stock, . 
New York Central Railroad bonds, . 
Dela., Lacka. and Western R.R. stock, 
Chic, Bur. and Quincy Railroad stock, 
Missouri Pacific Railroad stock, 
Central Pacific Railroad stock, 
Central Pacific Railroad' bonds, 
Chic, Mil. and St. Paul Railroad stock, 
Chic, Mil. and St. Paul Railroad bonds, 
New York and Harlem Railroad stock, 
Pullman Palace Car Company stock, 
St. Louis and San Francisco R.R stock, 
Union Pacific Railroad stock, . 
Union Pacific Railroad bonds, . 
Western Union Telegraph Co. stock, 
Chic, and North Western R.R. stock, 
Chic and North Western R.R. bonds, 
Chic, St. Paul, Minn, and O. R.R. stock, 
Chic , St. Paul, Minn, and O. R.R. bonds 
Lake Shore Railroad stock, 
Lake Shore Railroad bonds, 
Chic, R. I. and Pacific Railroad stook, 
Chic, R. I and Pacific Railroad bonds, 



26,600 00 

332,800 00 

835,700 00 

351,037 00 

793,500 00 

3,495 00 

956,319 00 

93,827 00 

274,400 00 

221,850 00 

170,000 00 

815,442 00 

55,027 00 

540,312 00 

1,370,515 00 

163,140 00 

489,125 00 

136,250 00 

384,200 00 

486,000 00 

288,650 00 

12,550 00 



Amount loaned. 



1882.] 



OF OTHER STATES. 



87 



St. Paul, Minn, and Man. R.R. stock, 
St. Paul, Minn, and Man. R. R. bonds, 
Illinois Central Railroad stock, 
New York, Lake Erie, and W. R.R. stock, 
New York, Erie, and W. R.R. bonds, 
Oregon R'w'y and Navigation Co. stock, 
Oregon R'w'y and Navigation Co. bonds, 
Delaware and Hudson Co. R.R stock, 
Chic, N. W., Escanaba and L. S. R.R. b'ds 
Chic, N. W. Mill, and Mad. R.R. bonds, 
Atchison, Top. and S. F. Railroad stock 
Philadelphia and Reading R.R. bonds, 
Michigan Central Railroad stock, . 
Michigan Central Railroad bonds, . 
Amer Tel. and Cable Company stock, 
Manhattan Gas Company stock, 
Galv., Harrisb'g and San A. R.R. b'ds, 
Central New Jersey Railroad bonds, 
Manhattan Elevator R,R. stock, 
N. Y. Cent'l Canada So. R.R. bonds, 
Ohio Central Railroad bonds, . 
Cent'l N. J., Lehigh and W. R.R. b'ds, 
Central Iowa Railroad bonds, . 
Hannibal and St. Joe Railroad stock, 
Northern Pacific Railroad bonds, 
Municipal Gas Company stock, 
Newark City bonds, .... 
Union Pacific, Kan. Pacific R.R bonds, 
St. Louis, Kan. City and N. R.R. bonds, 
Chic, and Alton La. and Mo. R. R.R. b'ds, 
Dry Dock,E. Br'dw'y and Batt'y R.R. b'ds, 
N. Y., Chic, and St. Louis R.R. bonds, 
St Louis and Iron Mountain R.R. b'ds, 
Chicago and Alton Railroad stock, . 
Adams Express Company stock, 
Ind., Cinn. and Lafayette R.R. b'ds, . 
Roch. and Pittsburg Railroad bonds, 
Wabash Railroad bonds, . 
Texas and Pacific Railroad bonds, . 
Mill., L. S. and West'n R.R. bonds, . 



Market value. 

,089,231 00 

212,000 00 

165,009 00 

25,875 00 

311,535 00 

165,600 00 

10,900 00 

121,392 00 

222,000 00 

220,000 00 

136,800 00 

134,400 00 

49 : 000 00 

52,000 00 

75,636 00 

58,695 00 

44,000 00 

54,350 00 

25,200 00 

68,775 00 

28,200 00 

34,340 00 

22 ; 400 00 

93,000 00 

17,850 00 

17,000 00 

22,000 00 

29,160 00 

15,225 00 

9,280 00 

5,800 00 

4,800 00 

3,300 00 

5,360 00 

7,980 00 

3,600 00 

3,105 00 

3,000 00 

1,650 00 

2,962 00 



Amount loaned. 



$14,933,879 00 $12,440,000 00 



Schedule B. 
Bonds owned by Ihe Company. 

Par value. 

United States bonds, $771,000 00 

Massachusetts state bonds, . , . 800 00 



Market value. 

$1,008,400 
800 00 



88 



LIFE INSURANCE COMPANIES [Dec. 31, 



Essex (N. J.) county bonds, 
Union (N. J.) county bonds, 
Erie (Pa.) city bonds, 
Cleveland (O.) city bonds, 
Toledo (O.) city bonds, . 
Sandusky (O.) city bonds, 
Springfield (111.) city bonds, 
South Bend (Ind.) city bonds, 
Lafayette (Ind.) city bonds, 
Newark (N. J.) city bonds, 
Orange (N. J.) city bonds, 
East Orange (N. J.) town bonds, 
West Orange (N. J ) town bonds, 
South Orange (N. J.) town bonds, 
Milburn (Ind.) town bonds, 
New Brunswick (N. J.) city bonds, 
Elizabeth (N. J.) city bonds, 
Rahway (N. J.) city bonds, 
Elizabeth City temporary tax bonds, 
Newark and N.Y. Railroad bonds, 
Pemberton and New York R.R. b'ds, 



Par value. 

1,395,500 00 

116,000 00 

152,000 00 

521,000 00 

$173,000 00 

100,000 00 

89,000 00 

61,500 00 

160,000 00 

2,500,000 00 

80,000 00 

19,056 98 

135,500 00 

2,000 00 

3,200 00 

14,000 00 

954,000 00 

112,000 00 

50,167 83 

573,000 00 

375,000 00 



Market value. 

$1,679,610 00 

126,150 00 

176,320 00 

596,420 00 

224,900 00 

117,000 00 

89,000 00 

65,190 00 

211,200 00 

2,948,000 00 

95,100 00 

19,253 12 

173,545 00 

2,040 00 

3,200 00 

15,400 00 

477,000 00 

39,200 00 

50,167 83 

630,300 00 

410,000 00 



5,357,724 81 $9,158,195 95 



NATIONAL LIFE INSURANCE COMPANY OF MONTPELIER. 

[Incorporated November, 1848. Commenced business Feb. 1, 1850.] 

Charles Dewey, President. George W. Reed, Secretary. 

Income. 
Total premium income, 



Cash received for interest on stocks, bonds and loans, 

for interest on other debts due the company, 
as discount on claims paid in advance, 
for rents of company's property, 



Total income, 
Net or ledger assets Dec. 31, 1881, 



$341,179 87 

114,280 10 

7,552 83 

645 74 

8,565 63 

$172,224 17 
2,459,068 14 



Total, . ■ $2,931,292 31 

Disbursements. 

Cash paid for losses and additions, $124,591 38 

Premium notes or loans used in payment of same, . . 180 80 

Cash paid for matured endowments and additions, . . 12,959 61 

Gross amount paid for losses and endowments, . $137,731 79 

Cash paid to annuitants, 3,117 09 

for surrendered policies, 29,403 59 

Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, 1,258 38 



1882.] 



OF OTHER STATES. 



89 



Cash dividends paid policy-holders, applied in payment 

of premiums, 

Premium notes or loans used in payment of dividends, 

Total paid policy-holders, ..... 
Cash paid for commissions to agents, 

for salaries and travelling expenses of agents 

for medical examiner's fees, 

for salaries of officers and office employes, 

for taxes and fees, 

for rent, 

for furniture and office fixtures, 
for advertising, . . . • . 
for incidentals, 

Total disbursements, 

Balance, 

Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Par value of stocks and bonds owned (schedule B), 

Cash in company's office, 

deposited in bank, 

Agents' ledger balances, 

Ledger assets (as per balance), .... 



$63,804 71 

1.312 63 



$236,628 19 

26,647 52 

6,656 56 

5,928 53 

10,235 14 

5.222 39 

'3^S6 45 

765 00 

2,608 14 

3,341 51 

$301,119 48 

§2,630,172 83 



8215.018 52 

734,173 33 

152,165 42 

25,369 02 

20,886 85 

1,397,171 18 

1,436 50 

67,695 64 

16,256 37 

82,630,172 83 



Other Assets. 
Interest due and accrued, .... 
Market value of stocks and bonds, over par, 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 

Total, 

Deduct loading (25 percent.), . 

Net am't uncollected and deferred prems., 

Total assets per company's books, 



817,744 31 
36,506 20 

854,250 51 
13,562 63 



49,558 22 
64,125 00 



40,687 88 



. 82,784,543 93 



Items not Admitted. 



Agents' balances, 

Total admitted assets, 



16,256 37 



82,768,287 56 



90 



LIFE INSURANCE COMPANIES [Dec. 31 ; 



Liabilities. 

Computed premium reserve or net present value of all 
outstanding policies (Actuaries 1 4 per cent.), . . $1,826,230 00 

Death losses due and unpaid, . . . $8,000 00 

Death losses and matured endowments in 

process of adjustment, .... 30,425 00 

Claims resisted by the company, . . 10,000 00 
Total policy claims, . . . . 



Unpaid dividends of surplus due policy-holders, 
Extra reserve on life rate endowment policies, 

Liabilities as to policy-holders, . 
Surplus as regards policy-holders, 



Gross liabilities, 



48,425 00 

37,471 27 

150,000 00 

$2,062,126 27 
706,161 29 

$2,768,287 56 



2,274 82 



$180 80 


$24,250 62 


1,258 38 




1,312 63 




611 96 






3,363 77 






$20,886 85 



Premium Note Account. 

Premium notes on hand, Dec. 31, 1881, . $21,975 80 
received during 1882, 

Total 

Used in payment of losses and claims, 

of surrendered policies, 

and voided by lapse, 
of dividends to policy- 
holders, 
Redeemed by maker in cash, 

Total, . 

Balance note assets Dec. 31, 1882, 

Exhibit of Policies. 

Policies and Additions in force December 31, 1881. 

Number. Amount. 

Whole-life policies, . . . . . 3,774 $7,839,500 00 

Endowment policies, .... 
All other policies, .... 
Reversionary additions, . . . 

New Policies Issued in 1882. 
Whole-life policies, .... 
Endowment policies, . . ' 
All other policies, .... 
Whole life policies revived during the year, 

Old Policies increased during the Year. 
Wholel-ife policies, .... 
Endowment policies, .... 
Additions by dividends, 



1,058 


1,553,962 00 


12 


53,500 00 


— 


69,398 00 


200 


580,975 00 


1,400 


1,495,000 00 


5 


15,500 00 


■- 


3,625 00 


Year. 




- 


50 00 


- 


125 00 


- 


1,543 00 



Total number and amount, . 



6,449 $11,613,178 00 



1882.] 



OF OTHER STATES. 



91 



Policies ceased to be in force during the Year. 



Terminated by death, . 

by maturity, . 

by expiry, 

by surrender, . 

by lapse, . 

by change and decrease, 



Not taken, 



Total terminated, 



Number. 

72 

8 

5 

153 

94 

9 

204 



Amount. 

$124,772 00 

12,925 00 

45,035 00 

262,462 00 

. 249,875 00 

17,0C0 00 

232,100 00 



545 $944,169 00 



Policies in force December 31, 1882. 

Number. 

Whole-life policies, 3,764 

Endowment policies, 2,124 

All other policies, 16 

Reversionary additions, 



Amount. 

17,912,709 00 

2,623,372 00 

64,000 00 

68,928 00 



Totals, 



5,904 110,669,009 00 



Schedule A. 



Securities held as 



Farmers 1 National Bank, Vergennes, 
First National Bank, St. Johnsbury, 
St, Albans Trust Company, 
St. Albans Trust Company, 
Vermont National Bank, . 
Chic, Boston and Liverpool Co 
Burlington water bonds, . 
National Bank of Rutland, 
Vermont Marble Company bonds, 
Lane Manufacturing Company, 
Howard National Bank, 



Collateral. 

Market value. 

$16,500 00 

440 00 

27,089 00 

1,030 00' 

4,114 00 

1,000 00. 

26,250 00 

18,000 00 

40,000 00 

90,625 00 

8,800 00 



Amount loaned. 

$15,000 00 

360 00 

24,300 00 

5,000 00 

25,000 00 

15,000 00 

20,000 00 

'39,505 42 

8,000 00 



$233,848 00 $152,165 42 



SCHEDUL'E B. 

Stocks and Bonds owned by the Company. 

Par value. 

United States bonds, $300,000 00 



Maine state bonds, 
New Hampshire state bonds, 
Missouri state bonds, . 
Boston city bonds, 
Lawrence city bonds, . • 
Worcester city bonds, 
Fitchburg city bonds, 



2,000 00 
15,000 00 
11,000 00 
10,000 00 
20,000 00 
20,000 00 
60,000 00 



Market value. 

$347,370 00 
2,000 00 
. 15,000 00 
11,000 00 
10,000 00 
20,000 00 
20,000 00 
60,000 00 



92 



LIFE INSURANCE COMPANIES [Dec. 31, 



Chelsea city bonds, . 

Beverly town bonds, 

Somerville city bonds, 

Buffalo city bonds, 

Burlington city bonds, 

Indianapolis city bonds, 

Springfield city bonds, 

Meriden city bonds, . 

Minneapolis city bonds, 

Stillwater city bonds, 

Appleton city school bonds, 

Burlington city bonds, 

Clinton city bonds, 

Niles city bonds, 

East Saginaw city bonds, 

Piqua city bonds, 

St. Louis city bonds, . 

St. Louis county bonds, 

Peoria county bonds, . 

Cook county bonds, . 

Scituate town bonds, . 

Montpelier town bonds, 

Highgate town bonds, 

Essex town bonds, 

Jericho town bonds, . 

Underhill town bonds, 

Wolcott town bonds, . 

Hyde Park town bonds, 

St Johnsbury town bonds, 

Brandon town bonds, 

Jamaica town bonds, 

Swanton town bonds, 

Fairfax town bonds, . 

Sheldon town bonds, 

Bakersfield town bonds, 

Arlington town bonds, 

Jay town bonds, 

St. Albans town bonds, 

St. Albans village bonds, 

Hennepin county school bonds, 

Vermont Marble Company bonds, 

Vermont Mut'l Fire Ins. Co. accept'ces, 

First National Bank, Montpelier, 

Montpelier National Bank, 



Par value. 

$69,000 00 

25,000 00 

30,000 00 

10,000 00 

60,000 00 

25,000 00 

18,200 00 

43,000 00 

3,500 00 

30,000 00 

15,000 00 

35,000 00 

5,000 00 

19,500 00 

20,000 00 

10,000 00 

11,000 00 

32,000 00 

22,000 00 

5,000 00 

6,500 00 

43,500 00 

47,500 00 

20,000 00 

23,000 00 

17,000 00 

21,800 00 

47,000 00 

36,000 00 

21,500 00 

4,000 00 

5,000 00 

3,300 00 

5,000 00 

6,000 00 

20,000 00 

7,000 00 

3,000 00 

62,000 00 

28,500 00 

10,000 00 

4,071 18 

26,000 00 

3,300 00 



Market value. 

$69,000 00 

25,000 00 

30,000 00 

10,000 00 

60,000 00 

25,000 00 

18,200 00 

43,000 00 

3,500 00 

30,000 00 

15,000 00 

35,000 00 

5,000 00 

19,500 00 

20,000 00 

10,000 00 

11,000 00 

32,000 00 

22,000 00 

5,000 00 

6,500 00 

43,500 00 

47,500 00 

20,000 00 

23,000 00 

17,000 00 

21,800*00 

47,000 00 

36,000 00 

21,500 00 

4,000 00 

5,000 00 

3,300 00 

5,000 00 

6,000 00 

20,000 00 

7,000 00 

3,000 00 

62,000 00 

28,500 00 

10,000 00 

4,071 18 

41,600 00 

4,455 00 



,,397,171 18 $1,461,296 18 



1882.] 



OF OTHER STATES. 



93 



NEW YORK LIFE INSURANCE COMPANY OF NEW YORK. 

[Incorporated 1841. Commenced business 1845.] 

Morris Franklin, President. Wm, H. Beers, Vice-Pres. and Actuary. 

Note by the Company. — Wherever the term " Cash " is used in this statement, it means 
money in hand, or its equivalent in the company's money obligations. 



Income. 

Total premium income, 

Cash received for interest on stocks, bonds, and loans, . 
for interest on other debts due the company, 
for rents of company's property, 
for profits on bonds, stocks or real estate 
sold, 

Total income, 

Net or ledger assets, Dec. 31, 1881, 



Total, ■ . 

Disbursements. 
Cash paid for losses and additions, .... 
Premium notes or loans used in payment of same, . 
Cash paid for matured endowments and additions, . 
Premium notes or loans used in payment of same, . 

Gross amount paid for losses and endowments, 
Received for losses and claims on policies re-insured, 

Net amount paid for losses and endowments, . 

Cash paid to annuitants, 

for surrendered policies, .... 
Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, .... 

Cash dividends paid policy-holders, applied in payment 

of premiums, 

Premium notes or loans used in payment of dividends, 

Total paid policy-holders, 

Cash paid for commissions to agents, 

for salaries and travelling expenses of agents 
for medical examiner's fees, 
for salaries of officers and office employes, 
for taxes and fees, . . . . . 

for advertising, 

for incidentals, 

Total disbursements, ...... 



^8,730,870 65 

2,274,927 46 

138,794 79 

123,381 67 

226,169 23 

$11,494,143 80 
44,159,558 09 

$55,653,701 89 



$1,980,722 97 

23,569 03 

421,136 17 

6,122 78 

$2,431,550 95 
49,000 00 

$2,382,550 95 
509,053 81 
871,524 28 

10,293 59 

2,432,618 77 
4,268 31 

$6,210,309 71 

904,495 32 

77,000 00 

79,036 60 

189,059 36 

68,678 67 

81,225 63 

386,332 65 

$7,996,137 94 



Balance, 



$47,657,563 95 



94 



LIFE INSUKANCE COMPANIES [Dec. 31, 



Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 

on collateral security (schedule A), 
Premium notes or loans on policies in force, . 
Cost value of stocks and bonds owned (schedule B), 
Cash in company's office, .... 
deposited in bank, .... 
Agents' ledger balances, .... 

Ledger assets (as per balance) , . 

Other Assets. 

Interest due and accrued, .... 
Rents due and accrued, .... 
Market value of stocks and bonds, over cost, 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 



$4,133,065 13 

19,306,940 16 

4,313,000 00 

494,032 23 

18,072,074 81 

6,631 69 

1,269,394 98 

62,424 95 

$47,657 563 95 



306,538 37 

19,461 69 

1,881,881 71 



Total, 

Deduct loading (20 per cent.), . 

Net am't uncollected and deferred prems., 



$394,395 19 

540,555 91 

$934,951 10 

186,990 22 



Total assets per company's books, 

Items not Admitted. 
Agents' balances, 

Total admitted assets, .... 



747,960 88 

$50,613,406 60 

62,424 95 

$50,550,981 65 



Liabilities. 
Computed premium reserve or net present value of all 
outstanding policies (Actuaries' 4 per cent.), . .$43,264 87100 



Deduct net value of re-insured risks, 

Net re-insurance reserve, 

Matured endowments due and unpaid, . $53,350 43 
Death losses and matured endowments 

in process of adjustment, . . . 454,421 44 
Claims resisted by the company, . . 36,000 00 

Due and unpaid on annuity claims, . . 6,225 86 

Total policy claims, . . . 

Premiums paid in advance, 



371,681 00 
. $42,893,190 00 



549,997 73 
35,782 36 

$43,478,970 09 



Liabilities as to policy-holders, 

Surplus as regards Tontine policy-holders, $2,091,372 16 
as regards other policy holders, . 4,980,639 40 
Gross surplus as regards policy-holders, 7,072,011 56 



Gross liabilities, $50,550,981 65 



1882.] 



OF OTHER STATES. 



95 



Premium Note Account. 

Premium notes on hand Dec. 31, 1881, . $545,227 34 

received during 1882, . 40,472 24 

Total, $585,699 58 

Used in payment of losses and claims, . $29,691 81 
of surrendered policies, 
and voided by lapse, . 10,293 59 
of dividends to policy- 
holders, . . . 4,268 31 
Redeemed by maker in cash, . , . 47,413 64 

Total, ....... 91,667 35 

Balance note assets, December 31, 1882, . . . $494,032 23 

Exhibit of Policies. 

Policies and Additions in Force Dec. 31, 1881. 

Number. Amount. 

Whole-life policies 39,988 $115,652,137 00 

Endowment policies, . . . . . . 11,666 33,227,974 00 

All other policies, 2,273 21,000 00 

Reversionary additions, - 2,859,713 00 



New Policies Issued in 1882. 



Whole-life policies, 
Endowment policies, 
All other policies, 



Number. Amount. 

6,576 $21,833,732 00 

4,787 16,959,197 00 

791 6,200 00 



Old Policies Revived during the Year. 

Number. Amount. 

Whole-life policies, 17 $55,050 00 

Endowment policies, 6 23,000 00 

All other policies, ...... 1 

Old Policies increased during the Year. 

Number. Amount. 

Whole-life policies, - f 2,500 00 

Endowment policies, - 39,806 00 

Additions by dividends, - 2,406,035 00 



Total number and amount, 



66,105 $193,086,344 00 



Policies ceased to be in Force during the Year. 

Terminated by death, .... 
by maturity, 
by expiry, 
by surrender, . 
by lapse, .... 
by change and decrease, 



Not taken, 



Total terminated, . 



umber. 


Amount. 


633 


$1,939,989 00 


180 


436,625 00 


102 


6,200 00 


1,011 


6,057,133.00 


2,451 


6,618,915 00 


- 


178,668 00 


1,578 


6,433,717 00 



5,955 $21,671,247 00 



96 



LIFE INSURANCE COMPANIES [Dec. 31, 



Policies in Force Dec. 31, 1882. 

Number. Amount. 

Whole-life policies, 42,781 $125,355,428 00 

Endowment policies 14,412 42,941,125 00 

All other policies, 2,957 16,000 00 

Reversionary additions, - 3,102,544 00 



Totals, 60,150 $171,415,097 00 



Lake Shore R.R. stock, 

Delaware and Hudson Canal Co. stock, 

Chicago, Mil., and St. Paul R.R. stock, 

Western Union Telegraph Co. stock, 

N. Y. Cent, and Hudson R. R.R. stock, 

Chicago, Burl., and Quincy R.R. stock, 

Chicago and North-Western R.R. stock, 

Missouri Pacific Railroad stock, 

N. Y., Lake Erie and Western R.R. stock 

Union Pacific Railroad stock, . 

Central Pacific Railroad stock, . 

Central National Bank, N. Y., stock, 

Fourth National Bank, N. Y., stock, . 

Michigan Central Railroad stock, 

Oregon Navigation Co. stock, . 

St. Paul, Minn., and Man. R.R. stock, 

Pullman Palace Car Co. stock, . 

Delaware, Lack., and Western R.R. stock 

Illinois Central Railroad stock, . 

United States Trust Co. stock, . 

St. Paul, Minn., and Omaha Railroad stock 

Baltimore and Ohio Railroad stock, . 

Canada Southern Railroad stock, 

Ninth National Bank, N. Y., stock, . 

German American Bank stock, 

Chicago and Rock Island Railroad stock 

Lake Shore Railroad bonds, 

United States bonds, .... 

Hannibal and St. Joseph Railroad bonds 

St. Paul, Minn., and Omaha R.R. bonds, 

St. Louis and San Francisco R.R. bonds, 

New Jersey Central Railroad bonds, 

New York Elevated Railroad bonds, 

N. Y., Lake Erie, and Western R.R. bonds 

Winona and St- Peter Railroad bonds, 



Schedule A. 

Securities held as Collateral. 

Market value. 

$666,700 00 

617,500 00 

571,000 00 

558,900 00 

332,640 00 

329,400 00 

300,550 00 

208,075 00 

180,800 00 

173,400 00 

122,120 00 

114,375 00 

114,375 00 

107,800 00 

95,900 00 

92,950 00 

69,372 00 

57,600 00 

42,600 00 

40,000 00 

33,900 00 

23,880 00 

6,700 00 

6,000 00 

3,562 50 

3,250 00 

192,000 00 

67,940 00 

15,750 00 

10,900 00 

9,700 00 

5,850 00 

5,700 00 

5,400 00 

3,750 00 



Amount loaned. 



.,190,339 50 $4,313,000 00 



1882.] 



OF OTHER STATES. 



97 



Schedule B. 

Bonds and Stocks owned by 



United States bonds, . 

Delaware and Hudson stock, 

Delaware and Hudson bonds, 

New York Central bonds, . 

New York Central stock, . 

New York and Harlem bonds, 

Rensselaer and Saratoga bonds, 

N. Y., Lake Erie and Western bonds, 

Albany and Susquehanna bonds, 

Michigan Central bonds, . 

Metropolitan Elevated bonds, . 

New York Elevated bonds, 

Chicago and Northwestern bonds, 

Denver and Rio Grande bonds, . 

N. Y., Lackawanna and Western bonds, 

Cleve., Col., Cin. and Ind. bonds, 

New York city bonds, 

East Chester, N. Y., bonds, 

Jersey City, N. J., bonds, 

Brooklyn, N. Y., bonds, 

Newark, N. J., bonds, 

Buffalo, N. Y., bonds, 

Flushing, N. Y., bonds, 

Yonkers, N. Y., bonds, 

Rochester, N. Y., bonds, 

Richmond, Va., bonds, 

Tennessee state bonds, 

Alabama state bonds, 

So. Carolina state bonds, 

Georgia state bonds, . 

American Safe Deposit Co. bonds, 

N. Y. Mutual Gas Light Co. bonds, 

Manhattan Safe Deposit Co. stock, 

Merchants' Bank stock, 

American Exchange Bank stock, 

Metropolitan Bank stock, . 

Bank of America stock, 

Bank of the Republic stock, 



the Company. 

Cost value. 

$796,913 34 

81,845 00 

625,479 65 

1,017,872 81 

1,260,000 00 

1,067,041 67 

9,519 92 

2,386,280 70 

936,184 37 

61,416 67 

219,655 00 

662,955 00 

183,710 00 

247,853 33 

1,611,499 32 

178,954 17 

2,630,125 89 

54,497 85 

617,362 30 

1,602,836 71 

932,647 99 

155,537 74 

97,600 00 

181,335 11 

52,678 07 

46,250 00 

10,920 00 

36,100 00 

27,624 37 

730 00 

56,365 00 

108,000 00 

80,000 00 

11,112 58 

10,025 00 

3,753 75 

8,484 00 

907 50 



Market value. 

$933,000 00 

162,000 00 

637,125 00 

1,315,000 00 

1,260,000 00 

1,288,333 33 

12,045 00 

2,553,333 33 

958,497 50 

61,416 67 

219,655 00 

662,955 00 

186,625 00 

247,853 33 

1,650,000 00 

178,954 17 

3,023,055 00 

58,191 39 

621,400 00 

1,944,400 00 

960,571 40 

178,450 00 

116,300 00 

222,960 00 

63,450 00 

65,000 00 

10,920 00 

40,560 00 

31,717 40 

1,632 50 

56,500 00 

108,000 00 

80,000 00 

11,874 50 

12,600 00 

6,216 00 

11,935 00 

1,430 00 



$18,072,074 81 $19,953,956 52 



98 



LIFE INSURANCE COMPANIES [Dec. 31, 



NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY 
OF MILWAUKEE, WIS. 

[Incorporated March, 1857. Commenced business, Nov. 25th, 1858.] 
H. L. Palmer, President. J. W. Skinner, Secretary. 

Income. 

Total premium income, . . . . . . $2,620,147 98 

Cash received for interest on stocks, bonds and loans, . 1,105,731 62 

for interest on other debts due the company, 59,423 96 

as discount on claims paid in advance, . 2,192 62 

for rents of company's property, . . 8,341 64 

Total income, $3,795,837 82 

Net or ledger assets, Dec. 31, 1881, 18,300,955 27 



Total, $22,096,793 09 



Disbursements. 

Cash paid for losses and additions, .... 
Premium notes or loans used in payment of same, . 
Cash paid for matured endowments and additions, . 
Premium notes or loans used in payment of same, . 

Gross amount paid for losses and endowments, 
Cash paid for surrendered policies, .... 
Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, .... 
Cash surrender values including reconverted additions 

applied in payment of premiums, . . 

Cash dividends paid policy-holders, $214,315.03; applied 

in payment of premiums, $295,217.22, . 
Premium notes or loans used in payment of dividends, 



Total paid policy-holders, .... 
Cash paid for commissions to agents, 

for salaries and travelling expenses of a 
for medical examiner's fees, 
for salaries of officers and office employe 
for taxes and fees, . . . H 

for rent, 

for commuting commissions, . 
for furniture and office fixtures, 
for advertising, .... 
for incidentals, .... 
for profit and loss, 
for premium on bonds, 

Total disbursements, . . . 

Balance, 



gents 



es 



$832,131 09 

27,552 28 

362,512 45 

42,979 75 

$1,265,175 57 
107,935 75 

36,319 99 

47,023 59 

509,532 25 
177,363 11 

$2,143,350 26 

336,469 07 

39,032 97 

25,767 74 

113,548 75 

39,458 77 

7,643 29 

8,430 32 

246 77 

5,577 69 

100,033 66 

8,177 65 

130,633 07 

$2,958,370 01 



$19,138,423 08 



1882.] 



OF OTHER STATES. 



99 



Invested in the following : — 

Assets as per Ledger Accounts. 



Cost value of real estate, .... 


. 


$1,534,206 14 


Loans on mortgage of real estate (first liens), 


14,330,286 86 


Premium notes or loans on policies in force, 


. 


1,482,854 15 


Par value of stocks and bonds owned (schedule A), 


1,124,525 00 


Cash in company's office, .... 


. 


113,281 55 


deposited in bank, .... 


. 


510,893 41 






6,211 64 


Agents' ledger balances, .... 


. 


28,664 33 




, , 


7,500 00 


Ledger assets (as per balance), 


$19,138,423 08 


Other Assets. 






Interest due and accrued, .... 


. . . 


$258,073 41 


Rents due and accrued, .... 


. . . 


66 67 


Market value of stocks and bonds, over par, 


. 


122,106 54 


Uncollected premiums on policies in force, 


$56,357 78 




Deferred premiums on policies in force, . 


288,645 00 




Total, . 


$345,002 78 




Deduct loading (20 per cent.), . 


69,000 55 




Net amt. uncollected and deferred prems. 




276,002 23 


. 


Total assets per company's books, 


$19,794,671 93 


Items not Admitted. 




Office furniture, 


$7,500 00 




Agents' balances, 


28,664 33 




Bills receivable, ...... 


6,211 64 




Total, 




42,375 97 


• • • 


Total admitted assets, 


$19,752,295 96 


Liabilities. 







Computed premium reserve or net present value of all 
outstanding policies (Actuaries' 4 per cent.), . . $16,570,852 00 

Death losses and matured endowments in process of 
adjustment, $155,561 29 

Claims resisted by the company, . 46,300 00 
Total policy claims, .... 



Unpaid dividends of surplus due policy-holders, 
Premiums paid in advance, .... 
Accrued commissions, .... 
Reserve on paid-up policies, 

Liabilities as to policy-holders, . 
Surplus as regards policy-holders, . 

Gross liabilities, 



201,861 29 

4,000 00 

4,113 92 

2,500 00 

66,124 39 



$16,849,451 60 
2,902,844 36 



$19,752,295 96 



100 



LIFE INSURANCE COMPANIES [Dec. 31, 



Premium Note Account. 

Premium notes on hand Dec. 31, 1881, . $1,620,674 45 

received during 1882, . 191,031 54 

Total, . . . . . . . $1,811,705 99 

Used in payment of losses and claims, . $70,532 03 
of surrendered policies 

and voided by lapse, . 48,586 78 
of dividends to policy- 
holders, . . . 177,363 11 
Redeemed by maker in cash, . . . 32,369 92 

Total, 328,851 84 

Balance note assets Dec. 31, 1882, .... $1,482,854 15 



Exhibit of Policies. 

Policies and Additions in Force Dec. 31, 1881. 



Whole-life policies, . 
Endowment policies, 
All other policies, 



Number. Amount. 

28,860 $57,370,249 00 

8,114 14,200,100 00 

517 2,933,391 00 



New Policies issued in 1882. 



Whole-life policies, 
Endowment policies, 
All other policies, 



4,118 10,472,427 00 

2,496 5,295,176 00 

44 150,547 00 



Old Policies revived during the Year. 

Whole-life policies, 

Endowment policies, . . . . 
All other policies, , . . . 
Endowment policies increased during the year, 
Additions by dividends, 



Total number and amount, . 



. 175 


358,948 00 


. 48 


103,975 00 


3 


38,800 00 


4 


- 


- 


2,299,796 00 



44,379 $93,223,409 00 



Policies ceased to be in Force during the Year. 



Terminated by death, . 

maturity, . 

expiry, . 

surrender, . 

lapse, 

change and decrease, 
Not taken, 



Number. Amount. 

414 $849,278 00 

307 394,262 00 

13 1,960,160 00 

391 730,436 00 

1,877 4,152,872 00 

3 527,825 00 

. 503 1,253,152 00 



Total terminated, 



3,508 $9,867,985 00 



1882.] 



OF OTHER STATES. 



101 



Policies in Force Dec. 31, 1882. 



Whole-life policies, . 
Endowment policies, 
All other policies, 

Totals, 



Number. Amount. 

30,909 |62,616,450 00 

9,469 17,558,125 00 

493 3,180,849 00 



40,871 $83,355,424 00 



Schedule A. 

Bonds owned by the 



United States bonds, . 
Missouri state bonds, . 
Kansas (Mo.) city bonds, . 
St. Louis (Mo.) city bonds, 
Cincinnati (O.) city bonds, 
Covington (Ky.) city bonds, 
Green Bay (Wis.) city bonds, 
Sheboygan (Wis.) city bonds, 
Beloit (Wis.) city bonds, . 
Springfield (111.) city bonds, 
Oshkosh (Wis.) city bonds, 
Stevens Point (Wis.) city bonds 
Milwaukee (Wis.) city bonds, 
Elwood (111.) city bonds, . 
Morrison (111.) city bonds, 



Company. 

Par value. 

$271,500 00 

50,000 00 

125,000 00 

100,000 00 

183,000 00 

120,000 00 

9,700 00 

73,625 00 

91,000 00 

12,700 00 

41,000 00 

2,000 00 

9,000 00 

30,000 00 

6,000 00 



Market value. 

f331,584 17 

53,420 00 

138,950 00 

105,250 00 

199,470 00 

128,500 00 

10,362 83 

76,530 38 

97,850 00 

12,911 66 

42,879 17 

2,113 33 

9,085 00 

31,575 00 

6,150 00 



.,124,525 00 $1,246,631 54 



PENN MUTUAL LIFE INSURANCE COMPANY OF PHILA- 
DELPHIA, PENN. 

[Incorporated Feb. 24, 1847. Commenced business May 25, 1847.] 

Samuel C. Huey, President. Henry C. Brown, Secretary. 



Income. 

Total premium income, 

Cash received for interest on stocks, bonds and loans, 

for interest on other debts due the company 
for rents of company's property, 
for profits on property sold, etc., 
for re-insurance, 



Total income, 
Net or ledger assets, Dec. 31, 1881, 



$1,315,378 78 
375,972 91 
34,727 30 
28,984 46 
21,052 63 
35,862 85 

$1,811,978 93 
7,314,655 03 



Total, 



1,126,633 96 



102 



LIFE INSURANCE COMPANIES [Dec. 31, 



Disbursements. 

Cash paid for losses and additions, .... 
Premium notes or loans used in payment of same, . 
Cash paid for matured endowments and additions, . 
Premium notes or loans used in payment of same, . 

Gross amounts paid for losses and endowments, 
Cash paid for surrendered policies, .... 
Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, .... 
Cash dividends paid policy-holders, $1,881.12 ; applied in 

payment of premiums, $222,942.96 
Premium notes or loans used in payment of dividends, 

Total paid policy-holders, 

Cash paid for commissions to agents, 

for salaries and travelling expenses of agents 

for medical examiner's fees, . 

for salaries of officers and office employes, 

for taxes and fees, 

for rent, 

for commuting commissions, . 
for furniture and office fixtures, 
for advertising and printing, 

for incidentals, 

loss on called bonds, etc., .... 



Total disbursements, 



Balance, 



$453,114 48 

15,640 56 

58,487 00 

4,445 00 



$531,687 04 
79,285 65 

15,440 57 

224,824 08 
62,470 43 

$913,707 77 

104,416 49 

37,651 41 

13,522 32 

43,997 00 

25,195 34 

9,511 85 

29,983 64 

1,584 08 

17,636 01 

29,407 38 

5,282 24 

$1,231,895 53 
$7,894,738 43 



Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of real estate, .... 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on policies assigned as collateral, . 

Premium notes or loans on policies in force, 

Cost value of stocks and bonds owned (schedule B) 

Cash in company's office, 
deposited in bank, 

Bills receivable, 

Agents' ledger balances, 

Temporary notes secured, 



$829,778 53 

2,119,931 90 

420,700 00 

155,082 10 

628,791 66 

3,650,554 40 

1,513 49 

62,716 33 

3,682 85 

1,668 12 

20,319 05 



Ledger assets (as per balance), 



$7,894,738 43 



1882.] OF OTHEK STATES. 103 

Other Assets. 
Interest due and accrued, .... 
Rents due and accrued, .... 
Market value of stocks and bonds over cost, 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 

Total 

Deduct loading (20 per cent.), . 

Net amt. uncollected and deferred prems. 

Total assets per company's books, . 

Items not Admitted. 
Agents' balances, .... 
Bills receivable, .... 
Total, 

Total admitted assets, 

Liabilities. 

Computed premium reserve or net present value of all 

outstanding policies (Actuaries' 4 per cent.), . . $6,925,949 00 
Deduct net value of re-insured risks, .... 60,828 00 



$85,401 19 
89,940 38 


|50,032 69 

6,397 75 

392,365 60 


$175,341 57 
35,068 32 


140,273 25 




:d. 

$1,668 12 
3,682 85 


$8,483,807 72 
5,350 97 


• t 


$8,478,456 75 



Net re-insurance reserve, $6,865,121 00 

Death losses and matured endowments in process of 

adjustment, 165,634 07 

Unpaid dividends of surplus due policy-holders, . . 28,558 62 

Life rate endowment fund, 76,688 44 

Premiums paid in advance, etc., 27,272 74 

Liabilities as to policy-holders, $7,163,274 87 

Surplus as regards policy-holders, 1,315,181 88 

Gross liabilities, $8,478,456 75 

Premium Note Account. 

Premium notes on hand Dec. 31, 1881, . $634,287 52 

received during 1882, . 107,109 57 

Total, $741,397 09 

Used in payment of losses and claims, . $20,085 56 
oi surrendered policies 

and voided by lapse, . 15,440 57 
of dividends to policy- 
holders, . . . 62,470 43 
Redeemed by maker in cash, . . . 14,608 87 

Total, 112,605 43 



Balance note assets Dec. 31, 1882, .... $628,791 66 



104 



LIFE INSUKANCE COMPANIES [Dec. 31, 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1881. 

Number. Amount. 

Whole-life policies, 9,577 $26,517,037 00 

Endowment policies, 3,905 7,993,969 00 

All other policies, ...... 26 57,500 00 

Reversionary additions, - 68,938 00 



New Policies issued in 1882. 



Whole-life policies, 
Endowment policies, 
All other policies, 



1,230 

1,239 

12 



Old Policies revived during the Year. 

Whole-life policies, 23 

Endowment policies, 81 

Old Policies increased during the Year. 

Whole-life policies, . 20 

Endowment policies, . . . . . . .29 

Additions by dividends, - 



3,382,072 00 

2,943,010 00 

20,500 00 



30,725 00 
45,287 00 



18,843 00 
34,849 00 
20,194 00 



Total number and amount, 



16,142 $41,132,924 00 



Policies ceased to be in Force during the Year. 



Terminated by death, 

by maturity, 



Not taken, 



by expiring, . 

by surrender, 

by lapse, 

by change and decrease, 



Number. 


Amount. 


. 192 


$496,744 00 


. 23 


54,868 00 


4 


5,000 00 


. 132 


343,177 00 


. 554 


1,180,210 00 


. 13 


131,403 00 


. 252 


727,000 00 



Total terminated, 



1,170 $2,938,402 00 



Policies in Force Dec. 31, 1882. 

Number. 

Whole-life policies 10,140 

Endowment policies, 4,803 

All other policies, 29 

Reversionary additions, - 



Amount. 

$28,052,943 00 

9,993,954 00 

62,500 00 

85,125 00 



Totals, 



Camden county (N. J.) bonds, . 
Penn. and N. Y. Canal and R.R. bonds, 
Camden and Burl. R.R bonds, . 



14,972 $38,194,522 00 

Schedule A. 

Securities held as Collateral. 

Market value. 



$11,710 00 



Amount loaned. 

$10,000 00 



1882.] 



OF OTHER STATES. 



105 



Northern Central Railroad bonds, 
684 shares Spring Garden Ins Co , . 
Shenandoah Iron, L. M. and M. Co. bonds, 
Leavenw'th city and Ft. L. Water Co. bd's, 
Shenandoah Val. Railroad bonds, 
Freeport Water Co. bonds, 
1,000 shares Freeport Water Co., 
1,000 " Germantown Pass. R.R., 
Columbus (Ga.) Water Co. bonds, . 
50 shares Penna. Railroad, 
700 " Lehigh Coal and Nav. Co., 



Market value. 

$ 1,960 00 
89,604 00 
65,000 00 
110,000 00 
29,400 00 

125,000 00 

70,000 00 
25,000 00 

30,112 50 



Amount loaned. 

$700 00 

75,000 00 

50,000 00 

100,000 00 

25,000 00 

65,000 00 

50,000 00 
20,000 00 

25,000 00 



$557,786 50 $420,700 00 



Schedule B. 
Stocks and Bonds owned by the Company. 

Cost value. Market value. 

Pennsylvania R.R. mortgage bonds, . $203,150 00 $239,970 00 

Penna. R.R. and P. W. and B. R.R. bonds, 97,000 00 96,000 00 

United Canal and Railroad bonds, . . 46,250 00 56,000 00 

American Steamship Co. bonds, . . 25,000 00 26,375 00 

Northern Central R.R. bonds, . . . 210,000 00 216,000 00 

North Penna. Railroad bonds, . . . 98,500 00 124,500 00 

Stony Creek Railroad bonds, . . . 49,000 00 55,000 00 

Delaware and Bound Brook R.R. bonds, . 100,000 00 125,500 00 

Phila. and Reading R R. mort. bonds, . 103,000 00 120,750 00 

Phoenix Iron Co. bonds, .... 100,000 00 102,000 00 

Susquehanna Canal Co. bonds, . . . 48,600 00 53,070 00 

Lehigh Valley Railroad bonds, . . . 88,665 00 105,970 00 

Easton and Amboy Railroad bonds, . . 100,000 00 105,000 00 

Baltimore and Ohio Railroad bonds, . 105,000 00 112,000 00 

Cinn., Ham. and Dayton Railroad bonds, 103,750 00 111,000 00 

Cinn., Ham. and Indianapolis R.R. bonds, 53,000 00 54,500 00 

Dayton and Michigan R.R. bonds, . . 51,250 00 51,500 00 

Louisville and Nashville Railroad bonds, 7,141 40 10,500 00 

Illinois and St. Louis R.R. and Coal Co., . 100,000 00 120,000 00 

Venice and Carondelet Railroad bonds, . 100,000 00 106,000 00 

Minneapolis and St. Louis R.R. bonds, . 95,133 75 108,810 00 

Minneapolis and Duluth R.R. bonds, . 51,562 50 55,000 00 

Philadelphia city loan, .... 19,680 00 19,350 00 

Masonic Redemption loan, . . . 100,000 00 112,000 00 

Union League (Phila.) bonds, . . . 50,000 00 52,500 00 

Chester Pa. bonds 3 85,57100 203,840 00 

Cumberland city (Md.) bonds, . . . 45,000 00 55,000 00 

Cleveland (O.) bonds 26,375 00 25,625 00 

Xenia (O.) city bonds, .... 70,143 75 71,690 00 

Louisville city bonds, .... 43,500 00 58,500 00 

Evansville (Ind.) bonds, .... 48,600 00 49,500 00 



106 



LIFE INSURANCE COMPANIES [Dec. 31, 



St. Louis bonds, .... 

St. Joseph bonds, 

Culver Building Co. bonds, 

Harrisburg water bonds, . 

Salem (N. J.) water bonds, 

Jamestown (N. Y.) water bonds, 

Chillicothe (O.) Gas and Water Co. bonds 

Hamilton and Rossville (O.) water bonds 

Canton city (O.) water bonds, . 

Louisville Water Co. bonds, 

Kansas City water bonds, . 

St. Joseph Water Co. bonds, 

Joplin (Mo.) water bonds, 

Hot Springs (Ark.) water bonds, 

Burlington (la.) water bonds, . 

700 shares Northern Central Railroad, 



250 

209 

100 

100 

76 

50 

50 



Del. Mutual Safety Ins. Co., 
Commercial Nat'l Bank, Phila 
Western Nat'l Bank, Phila., 
Corn Exch. Nat'l Bank, Phila. 
Bank of No. America, Phila., 
Girard Nat'l Bank, Phila., 
Mechanics 1 Bank, St. Louis, 



Cost value. 

$25,030 00 

80,000 00 

70,000 00 

50,150 00 

76,875 00 

100,000 00 

77,900 00 

50,000 00 

10,000 00 

97,312 50 

102,500 00 

100,000 00 

75,000 00 

69,000 00 

70,500 00 

25,148 25 

6,250 00 

11,035 25 

6,862 50 

5,000 00 

10,168 00 

2,000 00 

4,950 50 



Market value. 

$31,800 00 

80,000 00 

70,700 00 

66,080 00 

79,875 00 

103,000 00 

83,640 00 

50,500 00 

11,200 00 

110,000 00 

110,000 00 

105,000 00 

78,750 00 

70,725 00 

78,750 00 

39,900 00 

10,000 00 

12,540 00 

9,400 00 

6,500 00 

21,660 00 

4,200 00 

5,250 00 



$3,650,554 40 $ 4,042,920 00 



PPvOVIDENT LIFE AND TRUST COMPANY OF PHILADEL- 
PHIA, PENN. 

[Incorporated March 22, 1865. Commenced business June, 1865.] 

Paid-up Capital $893,587.50.* 

Samuel R. Shipley, President. Asa S. Wing, V. Pres. and Actuary. 



Income. 

Total premium income, $1,254,991 24 

Cash received for interest on stocks, bonds and loans, . 262,353 03 

for interest on other debts due the Company, 31 ,642 42 

as discount on claims paid in advance, . 1,090 91 

for rents of company's property, . . . 5,215 51 

for profits on bonds, stocks or gold, sold, . 7,227 18 

Total income, $1,562,520 29 

* Note. — The interest earned by the investments which make up the $893,587.50 Capital 
Stock, is not included in the report of the Income of the Company; nor is any charge made 
for dividends to capital in Disbursements. The $393,587.50 ''Increase of capital during the 
year " was paid in in cash by the Stockholders, and further payments will continue to be 
made until the capital reaches a full-paid million dollars. 



1882.] 



OF OTHER STATES. 



107 



Net or ledger assets Dec. 31, 1881, . 
Increase of capital during 1882, 



. $5,675,465 93 
393,587 50 



Total, 



Disbursements. 

Cash paid for losses and additions, 

Cash paid for matured endowments and additions, . 

Gross amount paid for losses and endowments, 

Cash paid to annuitants, 

for surrendered policies, 

Cash surrender values, including reconverted additions 
applied in payment of premiums, .... 

Cash dividends paid policy-holders, applied in payment 

of premiums, 

Premium notes or loans used in payment of dividends, 



Total paid policy-holders, .... 

Cash paid for commissions to agents, 

for salaries and travelling expenses of agents 

for medical examiner's fees, 

for salaries of officers and office employes, 

for taxes and fees, 

for rent, 

for furniture and office fixtures, 

for advertising, 

for incidentals, ...... 

Total disbursements, 



Balance, 



|6,069,053 43 
$7,631,573 72 



1303,703 00 
87,065 00 



§390,768 00 
14,332 50 
38,253 60 

2,953 33 

135,981 94 
5,574 61 

$587,863 98 

97,653 49 

15,020 24 

9,169 77 

44,395 01 

20,562 15 

3,590 04 

3,956 84 

5,045 23 

18,128 56 

$805,385 31 

$6,826,188 41 



Invested in the following: — 

Assets as per Ledger Accounts. 

Cost value of real estate, $575,332 50 

Loans on mortgage of real estate (first liens), . . 2,656,166 31 

on collateral security (schedule A), . . . 196,000 00 

Premium notes or loans on policies in force, . . . 59,138 96 

Cost value of stocks and bonds owned (schedule B), . 3,263,521 88 

Cash in company's office, 76,028 76 

Ledger assets (as per balance), .... $6,826,18841 

Other Assets. 

Interest due and accrued, $54,451 60 

Rents due and accrued, 2,154 00 

Market value of stocks and bonds over cost, . . . 120,050 62 



108 



LIFE INSURANCE COMPANIES [Dec. 31 . 



Uncollected premiums on policies in force, $84,944 63 
Deferred premiums on policies in force, . 203,867 51 

Total, $288,812 14 

Deduct loading (20 per cent.), . . 57,762 43 
Net am't uncollected and deferred prems., 

Total assets per company's books, .... 



$231,049 71 
7,233,894 34 



Liabilities. 

Computed premium reserve or net present value of all 
outstanding policies (Actuaries' 4 per cent.), 

Death losses due and unpaid, . . . $11,600 00 

Death losses and matured endowments in 

process of adjustment, .... 57,600 00 

Due and unpaid on annuity claims, . . 401 24 
Total policy claims, . . . 

Unpaid dividends of surplus due policy-holders, 

Premiums paid in advance, etc., 

Liabilities as to policy-holders, . 
Surplus as regards policy-holders, . 



Gross liabilities, 



i,798,996 00 



69,601 24 

9,404 89 

10,384 33 

$5,888,386 46 
1,345,507 88 

|7,233,894 34 



Premium Note Account. 



Premium notes on hand, Dec. 31, 1881, 


$63,063 67 




received during 1882, 


6,737 91 




Total, 

Used in payment of surrendered policies 




$69,801 58 




and voided by lapse, . 


$267 66 




of dividends to policy- 






holders, 


5,574 61 




Redeemed by maker in cash, . 


4,820 35 




Total, 




10,662 62 




Balance note assets Dec. 31, 1882, 


$59,138 96 



Exhibit of Policies. 

Policies and Additions in Force Dec. 31, 1881. 

Number. Amount. 

Whole-life policies, 1,845 $5,757,431 00 

Endowment policies, ...... 7,277 22,890,986 00 

All other policies, 89 303,200 00 

Reversionary additions, - 140,573 00 



New Policies issued in 1882. 



Whole-life policies, 
Endowment policies, 
All other policies, 



118 518,504 00 
1,720 5,502,087 00 
, 17 62,900 00 



1882.] 



OF OTHEE STATES. 



109 



Old Policies revived during the Year. 

Whole-life policies, ....... 2 $2,000 00 

Endowment policies, 21 53,500 00 

Old Policies increased during the Year. 

Whole-life policies, 1 10,000 00 

Endowment policies, . . . . . .32 122,500 00 

Additions by dividends, - 29,834 00 



Total number and amount, 



11,122 $35,393,515 00 



Policies ceased to be in Force during the Year. 





Number. 


Amount. 


Terminated by death, 


. 97 


$327,631 00 


by maturity, .... 


. 43 


88,065 00 


by expiry, .... 


5 


10,600 00 


by surrender, .... 


. 179 


639,857 00 


by lapse, 


. 396 


1,224,300 00 


by change and decrease, 


. 33 


222,500 00 




. 24 


116,500 00 



Total terminated, 



777 $2,629,453 00 



Policies in Force Dec. 31, 1882. 

Number. 

Whole-life policies, 1,868 

Endowment policies, . . . . . 8,386 

All other policies, ...... 91 

Reversionary additions, - 



Totals, 



Amount. 

$5,939,321 00 

26,389,917 00 

276,000 00 

158,824 00 



10,345 $32,761,065 00 



Schedule A. 

Securities held as Collateral. 

Market value. 

Lehigh Valley Railroad Company stock, . $215,460 00 
Pennsylvania Railroad Company stock, . 29,500 00 



Amount loaned. 

171,000 00 
25,000 00 



$244,960 00 $196,000 00 

Schedule B. 

Bonds owned by the Company. 

Cost value. Market value. 

United States bonds, .... 120,000 00 124,200 00 

Lehigh Valley Railroad bonds, . . 564,070 00 631,570 00 

Easton and Amboy Railroad bonds, . . 85,000 00 90,100 00 

Lehigh and Wilkesbarre Coal Co. bonds, 21,050 00 21,000 00 

Pennsylvania Railroad bonds, . . . 265,184 38 301,525 00 

Summit Branch Railroad bonds, . . 22,500 00 25,000 00 

Northern Central Railroad bonds, . . 298,317 50 298,317 50 

Phila., Wil. and Baltimore R.R. b'ds, . 355,332 50 351,560 00 



110 



LIFE INSURANCE COMPANIES [Dec. 31 



Phila. and Balto. Central Railroad bonds, 
Texas and Pacific Railroad bonds, . 
North Pennsylvania Railroad bonds, 
Cataraugua and Fogelsville R.R. bonds, 
Crane Iron Company bonds, 
Pennsylvania State bonds, 
Belt Railroad and Stock Yard bonds, 
Missouri Pacific Railroad bonds, 
Philadelphia and Reading Railroad b'ds, 
N. Y. and Pacific Car Trust Co. bonds, 
Car Trust Co. of New York bonds, . 
Richmond and Danville Railroad bonds, 
Philadelphia and Erie Railroad bonds, 
Texas Pacific Railroad bonds, . " 
Central New Jersey Car Trust bonds, 



Cost value. 

$50,000 00 

158,300 00 

230,432 50 

36,000 00 

1,800 00 

16,480 00 

31,500 00 

100,250 00 

95,375 00 

64,000 00 

348,980 00 

96,000 00 

51,250 00 

83,700 00 

168,000 00 



Market value. 

$51,250 00 

158,300 00 

234,260 00 

36,000 00 

2,000 00 

19,040 00 

31,500 00 

100,000 00 

96,000 00 

64,000 00 

349,000 00 

96,000 00 

51,250 00 

83,700 00 

168,000 00 



$3,263,521 88 $3,383,572 50 



PROVIDENT SAVINGS LIFE ASSURANCE SOCIETY OF 

NEW YORK. 

[Incorporated Feb. 25, 1875. Commenced business Aug. 10, 1875.] 

Paid-up Capital, $100,000* 

Sheppard Homans, President. Wm. E. Stevens, Secretary. 



Income. 

Total premium income, 

Cash received for interest on stocks, bonds and loans, 



Total income, 
Net or ledger assets Dec. 31, 1881, 



$59,345 51 
4,906 72 

$64,252 23 
145,490 13 



Total, $209,742 36 



Disbursements. 
Cash paid for losses and additions, .... 
Received for losses and claims on policies re-insured, 

Net amount paid for losses and endowments, 



$28,511 12 
5,000 00 

$23,511 12 



* Note. — [Extract from Secretary's letter of March 10, 1883.] " In makingup the annual 
statement of this society for the year 1882, we ascertained that the capital was impaired 
about $20,000. We called a meeting of our stockholders in February, and they at once de- 
cided to make good the impairment. The sum of $26,000 was at once made up and donated 
to this society." 



1882.] 



OF OTHER STATES. 



Ill 



Cash paid for surrendered policies, . . 

Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, .... 
Cash dividends paid policy-holders, applied in payment 

of premiums, 

Total paid policy-holders, 

Cash paid for dividends to stockholders, . 

for commissions to agents, 

for salaries and travelling expenses of agents 

for medical examiner's fees, 

for salaries of officers and office employes, 

for taxes and fees, 

for rent, 

for commuting commissions, . 
Cash advanced to officers or agents, 

paid for furniture and office fixtures, 

for advertising, 

for incidentals, 

Total disbursements, ....... 

Balance, ........ 



$6,434 48 


152 55 


1,024 21 


$31,122 36 


1,380 00 


9,286 02 


4,755 59 


2,271 13 


7,638 24 


1,262 36 


4,404 94 


1,714 22 


3,505 49 


582 55 


869 56 


3,288 58 



$72,081 04 



$137,661 32 



Invested in the following : — 

Assets as per Ledger Accounts. 
Loans on mortgage of real estate (first liens) , 

on company's policies assigned as collateral, 
Premium notes or loans on policies in force, . 
Cost value of stocks and bonds owned (schedule A), 

Cash in company's office, 

deposited in bank, 

Bills receivable, 

Agents' ledger balances, ...... 

Ledger assets (as per balance), . . 

Other Assets. 

Interest due and accrued, 

Market value of stocks and bonds, over cost, . 
Uncollected premiums on policies in force, $4,038 69 

Deferred premiums on policies in force, . 10,027 07 



Total, $14,065 76 

Deduct loading (20 per cent.), . . 2,813 15 
Net am't of uncollected and deferred prems., 



$18,000 00 

175 00 

3,480 87 

102,000 00 

2,172 49 

4,380 19 

312 67 

7,140 10 

$137,661 32 



617 80 
1,750 00 



11,252 61 



Total assets per company's books, . 



$151,281 73 



112 LIFE INSURANCE COMPANIES [Dec. 31, 

Items not Admitted. 

Agents 1 balances, $7,140 10 

Bills receivable, 312 67 

— $7,452 77 



Total admitted assets, $143,828 96 

Liabilities. 
Computed premium reserve or net present value of all 

outstanding policies (Actuaries' 4 per cent.), . . $56,441 00 
Deduct net value of re-insured risks, .... 2,304 00 



Net re-insurance reserve, $54,137 00 

Death losses and matured endowments in 

process of adjustment, .... $7,500 00 

Claims resisted by the company, . . 5,000 00 

Total policy claims, .... 12,500 00 



Liabilities as to policy-holders, $66,637 00 

Surplus as regards polic} T -holders, 77,191 96 



Gross liabilities, $143,828 96 

Premium Note Account. 
Premium notes on hand, Dec. 31, 1881, . $1,970 64 

received during 1882, . . 1.660 10 



1,630 74 



Used in payment of surrendered policies 

and voided by lapse, . . . . $91 65 

Redeemed by maker in cash, ... 58 22 

Total, 149 87 



Balance note assets Dec. 31, 1882, .... $3,480 87 

Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1881. 

Number. Amount. 

Whole-life policies, 695 $252,635 00 

Endowment policies, ..... 53 105,350 00 

All other policies, 1,607 2,833,300 00 

New Policies issued in 1882. 

Whole-life policies, 43 $45,600 00 

Endowment policies, ... . 17 19,075 00 

All other policies, ; 224 443,000 00 



Total number and amount, . . . 2,639 $3,698,960 00 



1882.] 



OF OTHER STATES. 



113 



Policies ceased to be in Force during the Year. 

Terminated by death, 

by expiry, . . . 

by surrender, . . 

by lapse, . . 

by change and decrease, 
Not taken, 



Total terminated, 



Policies in Force Dec 



Whole-life policies, . 
Endowment policies, . 
All other policies, 

Totals, 



Number. 


Amount. 


26 


$33,975 00 


513 


826,350 00 


12 


28,250 00 


324 


81,814 00 


. 


15,500 00 


50 


75,800 00 


925 


$1,061,689 00 


;. 31, 1882. 




Number. 


Amount. 


403 


$189,621 00 


52 


103,925 00 


1,259 


2,343,725 00 


1,714 


$2,637,271 00 



United States bonds, . 



Schedule A. 

Bonds owned by the Company. 

Cost value. 

. $102,000 00 



Market value. 

$103,750 00 



TRAVELERS' INSURANCE COMPANY (LIFE DEPARTMENT) 
OF HARTFORD, CONN. 

[Incorporated June 17, 3863. Commenced business, July 1866.] 

Paid-up Capital, $600,000. 

James G. Batterson, President. Rodney Dennis, Secretary. 



Income. 

Total premium income, 

Cash received for interest on stocks, bonds and loans, 

for interest on other debts due the company, 
as discount on claims paid in advance, 
for rents of .company's property, . 
for profits on b'ds, stocks or real estate sold, 



Total income, 
Net or ledger assets Dec. 31, 1881, 



Total, 



$583,741 63 

224,775 63 

3,007 87 

895 13 

27,617 99 

7,418 00 

$847,456 25 
4,481,959 28 

^5,329,415 53 



Disbursements. 

Cash paid for losses and additions, . . . . . $172,504 11 

Cash paid for matured endowments and additions, . . 48,072 00 

Gross amount paid for losses and endowments, . $220,576 11 



114 



LIFE INSURANCE COMPANIES [Dec. 31, 



Cash paid to annuitants, 

for surrendered policies, .... 

Total paid policy-holders, 

Cash paid for commissions to agents, . . 

for salaries and travelling expenses of agents 

for medical examiner's fees, 

for salaries of officers and office employes, 

for taxes and fees, 

for rent, 

for furniture and office fixtures, 

for advertising, 

for incidentals, 

Total disbursements, 



Balance, 



Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on Company's policies assigned as collateral, 
Cost value of stocks and bonds owned (schedule B), 
Cash in Company's office, .... 
deposited in bank, .... 
Bills receivable, 

Ledger assets (as per balance), 
Deduct depreciation from cost of real estate, 

Total net or ledger assets, . 

Other Assets. 

Interest accrued, 

Market value of stocks and bonds over cost, . 
Uncollected premiums on policies in force, $51,739 59 
Deferred premiums on policies in force, . 78,986 77 

Total, $130,726 36 

Deduct loading, 15,687 16 

Net am't uncollected and deferred prems. 

Total assets per company's books, . 



Item not admitted 



Bills receivable, . 



Total assets of Life Department, 
Total assets of Accident Departmeut, 

Gross assets, 



$900 00 

34,437 30 

$255,913 41 

66,385 24 

8,282 35 

8,187 21 

28,602 74 

5,019 61 

1,594 42 

1,150 34 

19,921 65 

13,142 20 

$408,199 17 

1,921,216 36 



51,158,158 02 

1,997,396 27 

151,918 48 

10,123 00 

1,521,998 53 

3,088 80 

78,233 26 

300 00 

54,921,216 36 
366,863 74 

54,554,352 62 



$48,667 61 
60,636 47 



115,039 20 
1,778,695 90 



300 00 

54,778,395 90 
1,888,998 50 

56,667,394 40 



1882.] OF OTHER STATES. 115 

Liabilities. 
Computed premium reserve or net present value of all 

outstanding policies (Actuaries' 4 per cent.), . . $ 4,083,969 00 
Deduct net value of reinsured risks, . . . . . 17,220 00 



Net re-insurance reserve, . . . • . . $4,066,749 00 

Reserve for indemnity contracts of life policies, . . 7,500 00 
Death losses and matured endowments in 

process of adjustment, .... $ 59,486 00 
Claims resisted by the Company, . . 15,000 00 

Total policy claims, .... 74,486 00 

Liabilities as to policy-holders in Life Department, . $4,148,735 00 

Liabilities as to policy-holders in Accident Department, 840,560 71 

Gross liabilities, $4,989,295 71 



Surplus as regards policy-holders, $1,678,098 69 

Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1881. 

Number. Amount. 

Whole-life policies, 10,268 $17,392,735 CO 

Endowment policies, 2,217 2,977,102 00 

All other policies, 71 141,685 00 

New Policies issued in 1882. 

Whole-life policies, . . . . . . 1,445 3,363,766 00 

Endowment policies, 529 1,032,484 00 

All other policies, 19 72,000 00 

Old Policies revived during the Year. 

Whole-life policies, 

Endowment policies, 

All other policies, . ... 



. 31 


43,767 00 


7 


12,100 00 


1 


600 00 


Year. 




. 


2,158 00 


- 


4,500 00 



Old Policies increased during the Year 

Whole-life policies, 

Endowment policies, 

Total number and amount, . . ' . . 14,588 $25,042,897 00 
Policies ceased to be in Force during the Year. 

Number. Amount. 

Terminated by death .102 $156,552 00 

by maturity, 38 51,272 00 

by expiry, 7 10,200 00 

by surrender, 73 94,569 00 



116 



LIFE INSURANCE COMPANIES [Dec. 31, 



Terminated by lapse, 

by change and decrease, 
Not taken, 

Total terminated, 



Number. Amount. 

. 624 $1,217,300 00 

. 109 295,441 00 

. 192 381,250 00 



1,145 $2,206,584 00 



Policies in Force Dec. 31, 1882. 

Number. Amount. 

Whole-life policies, . . . • . . . 10 5 863 $19,040,763 00 

Endowment policies, 2,507 3,627,165 00 

All other policies, 73 168,385 00 



Totals, 



13,443 $22,836,313 00 



Schedule A. 

Securities held as Collateral. 



N. Y., Cent, and H. R. Railroad stock, 
Lake Shore and Mich. So. R.R. stock, 
Eagle Lock stock, . . . 
Chic, Burl, and Quincy R.R. stock, 
Chic, R. I. and Pac R.R stock, 
Missouri, K. and Tex. R.R. bonds, 
Texas and Pacific Railroad bonds, 
Texas and New Orleans R.R. bonds, 
Southern N. Eng. Tel. Company stock, 
Denver Circle Railroad Company stock, 



Market value. 

$50,400 00 

11,200 00 

5,000 00, 

6,150 00 

6,350 00 

62,540 00 

3,600 00 

5,000 00. 

28,000 00 

5,000 00 



Amount loaned. 



,000 00 

10,000 00 

62,418 48 

15,000 00 

4,500 00 



$183,240 00 $151,918 48 



Schedule B. 



Stocks and Bonds owned 



Connecticut state bonds, . 
Lyon county (Kan.) bonds, 
Atchison county (Kan.) bonds, . 
Traill county (Dak.) bonds, 
Middletown (Conn.) town bonds, 
Pilot (111.) city bonds, 
Norton (111.) city bonds, . 
Limestone (111.) city bonds, 
Lakin (Kan.) township bonds, . 
Lancaster (Kan.) township bonds, 
Crawford (Kan.) township bonds, 
Ottawa (Kan.) city bonds, 
Indianopolis (Ind.) city bonds, . 
Topeka (Kan.) city bonds, 
Oswego (N. Y.) city bonds, 



by the Company. 

Cost value. 

$42,800 00 

33,742 91 

1,500 00 

4,525 00 

10,786 67 

13,287 12 

3,736 43 

3,725 06 

7,455 00 

14,850 00 

23,875 00 

8,160 00 

7,766 66 

34,686 84 

10,639 72 



Market value. 

$41,200 00 

29,700 00 

1,500 00 

4,500 00 

10,600 00 

12,120 00 

3,030 00 

3,030 00 

7,140 00 

14,850 00 

23,750 00 

8,160 00 

10,000 00 

44,000 00 

10,200 00 



1882.] 



OF OTHER STATES. 



117 



Columbus (O.) city bonds, 
Hartford (Conn.) city bonds, . 
Montreal (Ca ) city bonds, 
Lake Shore and Mich. So. R.R. bonds, 
Chic, Mil. and St. Paul R.R. bonds, . 
Keokuk and Des Moines R.R. bonds, 
Detroit, Monroe and Toledo R.R. bonds, 
Buffalo, New York and Erie R.R. b'ds, 
Northern Missouri Railroad bonds, . 
Syracuse, Binghamton and New York 

R.R. bonds, 

Columbus and Western Railroad bonds, 

550 shares N. Y, N. H. and H. R.R., 
2,000 " N. Y., Cent, and H. R. R.R 
500 " Central Pacific Railroad, 
400 " Chic, R.I. and Pac.R.R., 
800 " Chicago and N. W. R.R., 
350 " American Nat'l B'k, Hartford 
241 " Phoenix Nat'l B'k, Hartford, 

119 " Farmers' and Mech. Nat' 

Bank, Hartford, . 
100 " Mercantile Nat'l B'k Hartford 
441 " Hartford Nat'l B'k, Hartford, 
87 " First National B'nk, Hartford 
135 " Charter Oak Nat'l B'k, Hart. 
169 " National Exch. Bank, Hart. 
250 " Thames Nat. B'k, Norwich, 
100 " Metropolitan Nat. B'k, N. Y. 
200 " American Exch. Nat. Bank 

New York, . 
400 " Merchants' Exch. Nat. Bank 

Hartford, . 
100 " Fourth Nat. B'k, Hartford, 
100 " Atlas Nat'l Bank, Boston, 
100 " Nat'l B'k of the Com., Boston 
250 " First Nat. B'k Wall., Conn., 
350 " Conn., T. and S. D. Co. Hart. 

120 " Security Company Hartford, 
600 " Hartford City Gas Light Co., 



Cost value. 

$10,480 83 
10,600 00 
48,190 33 
2,110 00 
86,790 31 
4,950 00 
21,432 17 
53,706 67 
10,700 00 

26,236 50 
53,010 00 
84,152 75 

270,731 25 
46,612 50 
52,987 50 

110,800 00 
23,324 50 
37,094 00 

17,593 00 
10,200 00 
67,630 50 
8,903 13 
17,199 25 
10,721 50 
32,100 00 
13,115 63 

21,413 00 

19,912 79 
9,530 00 
11,900 00 
11,212 75 
25,000 00 
29,400 00 
12,086 25 
28,635 01 



Market value. 

$10,200 00 
10,700 00 
49,680 00 
2,440 00 
98,460 00 
10,200 00 
24,000 00 
64,000 00 
11,900 00 

31,000 00 

53,000 00 

100,100 00 

252,000 00 

43,000 00 

50,800 00 

108,000 00 

24,500 00 

40,970 00 

16,660 00 
12,500 00 
74,970 00 
10,440 00 
18,900 00 
12,675 00 
35,000 00 
16,500 00 

25,200 00 

18,000 00 
12,300 00 
11,800 00 
11,100 00 
25,000 00 
41,300 00 
14,160 00 
17,400 00 



$1,521,998 53 $1,582,635 00 



118 



LIEE INSURANCE COMPANIES [Dec. 31, 



UNION MUTUAL LIFE INSURANCE COMPANY OF AUGUSTA, 

MAINE. 

[Incorporated July 17, 1848. Commenced business Oct. 1, 1849.] 

John E. De Witt, President. Henry D. Smith, Secretary. 

Principal office, Portland, Maine. 



Income. 

Total premium income, 

Cash received for interest on stocks, bonds and loans, . 
for interest on other debts due the Company, 
as discount on endowments paid in advance, 
for rents of Company's property, 



Total income, ... 
Net or ledger assets, Dec. 31, 1881, 
Net appreciation, 



1,024,023 12 
68,732 47 



$732,340 61 

201,075 20 

10,078 65 

437 52 

47,124 36 

$991,056 34 



6,092,755 59 



Total, $7,083,811 93 



Disbursements. 
Cash paid for losses and additions, .... 
Premium notes or loans used in payment of same, . 
Cash paid for matured endowments and additions, . 
Premium notes or loans used in payment of same, . 

Gross amount paid for losses and endowments, 
Cash paid for surrendered policies, .... 
Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, .... 
Cash surrender values, including reconverted additions 

applied in payment of premiums, . . . . 
Cash dividends paid policy-holders, $2,108.14 ; applied in 

payment of premiums, $45,640.87, 
Premium notes or loans used in payment of dividends, 
Reduction of premium, . . . 

Total paid policy-holders, 

Cash paid for commissions to agents, 

for medical examiner's fees, . . 

for salaries of officers and office employes, 

for taxes and fees, 

for advertising, . . . .* 

for incidentals, 

Total disbursements, 

Balance, 



$311,154 29 

18,782 00 

223,174 81 

36,360 00 

$589,471 10 
29,219 90 

34,520 00 

59,899 14 



47,749 


01 


24,693 


00 


2 


87 


$785,555 02 


160,330 


23 


9,095 


09 


45,791 


31 


10,531 71 


10,944 53 


31,527 


77 


$1,053,775 66 


$6,030,036 


27 



1882.] 



OF OTHER STATES. 



119 



Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of real estate, 

Loans on mortgage of real estate, .... 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Market value of stocks and bonds owned (schedule B), 

Cash in company's office, ...... 

Cash deposited in bank, 

Bills receivable, ........ 

Agents' ledger balances, 

Ledger assets (as per balance), 



$1,925,171 06 

1,539,888 29 

97,360 00 

3,714 33 

836,767 00 

1,497,360 98 

660 03 

122,705 01 

3,293 70 

3,115 87 

$6,030,036 27 



Other Assets. 

Interest due and accrued, 134,647 72 

Rents due and accrued, • . 4,072 29 

Uncollected premiums on policies in force, $35,664 51 
Deferred premiums on policies in force, . 87,250 48 

Total, $122,914 99 

Deduct loading (20 per cent.), . . . 24,582 99 

Net amt. uncollected and deferred prems. 98,332 00 



Total assets per company's books, 



Items not Admitted. 



Agents' balances, 

Bills receivable, . 

Total, . 

Total admitted assets, 



• . • 


$6,267,088 28 


$3,115 87 
3,293 70 


6,409 57 


, # 


$6,260,678 71 



Liabilities. 
Computed premium reserve or net present value of all 

outstanding policies (Actuaries' 4 per cent.), 
Deduct net value of re-insured risks, . . 

Net re-insurance reserve, 

Prem. obligations in excess of net values of their policies, 



Death losses due and unpaid, . 
Matured endowments due and unpaid, 
Death losses and matured endowments in 
process of adjustment, . . . . 
Claims resisted by the company, 
Unpresented death claims, 

Total policy claims, . . . . 



$1,200 00 
11,996 00 

41,367 00 
23,978 00 
24,702 00 



1,774,581 00 
1,920 00 

1,772,661 00 

822 00 



103,243 00 



120 



LIFE INSURANCE COMPANIES [Dec. 3L 



Unpaid dividends of surplus due policy-holders, 
Premiums paid in advance, 
All other liabilities, . 



Liabilities as to policy-holders, 
Surplus as regards policy-holders, 



Gross liabilities, 




58,980 82 
7,369 66 
6,020 00 



>,899,096 48 
361,582 23 

5,260,678 71 



Premium Note Account. 

Premium notes on hand Dec. 31, 1881, . $903,620 00 

received during 1882, . 59,974 00 

Total, 

Used in payment of losses and claims, . $55,142 00 
of surrendered policies 

and voided by lapse, . 42,017 00 
of dividends to policy- 
holders, '. . . 24,695 00 
Redeemed by maker in cash, . . . 4,973 00 
Total, 

Balance note assets Dec. 31, 1882, ...... 



$963,594 00 



126,827 00 



,767 00 



Exhibit of Policies. 

Policies and Additions in Force Dec. 31, 1881. 

Number. Amount. 

Whole-life policies, 6,984 $13,635,383 00 

Endowment policies, 5,190 7,247,894 00 

All other policies, . . . . . . 1,551 3,173,400 00 

Reversionary additions, - 26,874 00 



New Policies issued in 1882. 



Whole-life policies, . 
Endowment policies, 



Old Policies revived during the Year. 

Whole-life policies, .... 
Endowment policies, .... 
Old policies increased during the year, 
Additions by dividends, 



67 


102,857 00 


,130 


3,849,333 00 


ar. 

4 


19,500 00 


18 


36,440 00 


401 


682,836 00 


- 


36,967 00 



N 



Total number and amount, 



16,345 $28,811,484 00 



Policies ceased to be in Force during the Year. 

Number. Amount. 

Terminated by death, 189 $386,747 00 

by maturity, ...... 228 257,775 00 

by expiry, 317 708,590 00 



1882.] 



OF OTHER STATES. 



121 



Terminated by surrender, . 

by lapse, . 

by change and decrease, 
Not taken, 

Total terminated, 



Number. 


Amount. 


. 222 


$400,066 00 


. 504 


794,849 00 


. 400 


765.842 00 


. 445 


876,050 00 



2,305 $4,189,919 00 



Policies in Force Dec. 31, 1882. 

Number. 



Amount. 



Whole life-policies, . 

Endowment policies, . 

All other policies, 

Reversionary additions, 
i 

Totals, 



6,513 $12,562,102 00 

5,907 8,876,515 00 

1,620 3,123,956 00 

58,992 00 

14,040 $24,621,565 00 



Schedule A. 

Securities held as Collateral. 



Life policy assigned, .... 
Passaic (N. J.) Print Works stock, . 
St. Louis and San Francisco R.R. bonds, 
Chatham National Bank stock, . 
Portland and Ogdensburg R.R. bonds, 
Maine Central Railroad bonds, 
Flint and Pere Marquette R.R. bonds, 
Westbrook Manuf. Co. (Me.) bonds, 
Columbus (O.) city bonds, 
Maine Central Railroad bonds, 
Dayton (O.) city bonds, 
United States bonds, . 
Assignment of mortgage, . 
New York and New England R.R. stock, 



Market value. 

$2,778 00 

30,000 00 
925 00 

23,790 00 
4,320 00- 
1,845 00 
5,600 00. 

20,700 00 
1,120 00 

24,500 00 
2,140 00 
3,549 37 
6,958 00 
4,900 00 



Amount loaned. 

$2,000 00 

15,000 00 

60 00 

18,300 00 

10,000 00 

16,000 00 
1,000 00 

20,000 00 
2,000 00 
3,000 00 
6,500 00 
3,500 00 



$133,125 37 $97,360 00 



Schedule B. 

Stocks and Bonds owned by the Company, 

Par value. Market value. 

Union Pacific Railroad bonds, . . . $50,000 00 $58,375 00 

Sheldon (Vt.) bonds, . 16,000 00 16,000 00 

New York and New England R.R. bonds, 50,000 00 52,500 00 

Portland, Saco and Ports. R.R. stock, . 11,600 00 13,137 00 

Erie Railroad mortgage bonds, . . 25,000 00 32,250 00 

United States gold bonds, .... 150,000 00 179,062 50 

Kansas Pacific Railroad bonds, . . . 50,000 00 50,250 00 

Atch.,Topeka and Santa Fe R.R. bonds, . 50,000 00 40,125 00 

Michigan Central R.R. bonds, . . . 50,000 00 50,000 00 



122 



LIFE INSUKANCE COMPANIES [Dec. 31, 



Chic, Bur. and Quincy Railroad bonds, 

St. Louis and San Francisco R.R. bonds, 

Chicago and Northwestern R.R. bonds, 

United States currency 6s, 

Atch., Topeka and Sante Fe R.R. bonds, 

Milwaukee and St. Paul R.R. bonds, 

Chic, and West Michigan R.R. bonds, 

New Mexico and So. Pacific R.R. bonds, 

Buffalo and Erie Railroad bonds, 

Kan. City, St. J. & Council Bluffs R.R. b'ds 

Portland and Ogdensburg R.R. bonds, 

Flint and Pere Marquette Railroad bonds 

Jack., Lan. and Saginaw R.R. bonds, 

Maine Central Railroad bonds, 

Kansas and Missouri Railroad bonds, 

Ohio and Mississippi Railroad bonds, 

St. Louis (Mo.) bonds, 

Richmond (Va.) bonds, 

Lewiston (Me.) bonds, 

Portland (Me.) bonds, 

Cincinnati (O.) bonds, 

New Bedford (Mass.) bonds, 

Wilmington (Del.) bonds,. 

Chicago (111.) bonds, 

Cook Co. (111.) bonds, 

Wabash Co. (Ind.) bonds, . 

Biddeford (Me.) bonds, 

Union Co. (O.) bonds, 

Cinn. Improvement Co. bonds, 

Delaware (O.) bonds, 

Cleveland (O.) bonds. 

District of Columbia bonds, 

Watertown (Mass.) town notes 

Brunswick (Me.) bonds, 

Dayton (O.) bonds, , 

Ellsworth (Me.) note, 

Shelbyville (Ind.) bonds, 

Minnesota state bonds, 

Toledo (O.) bonds, .. 

Rochester (N.Y.) note, 

First Nat'l Bank, Portland, stock, 

Cumberland Nat'l Bank, Portland, stock, 

Manuf. National Bank, Lewiston, stock, 

Lime Rock Nat'l Bank, Rockland, stock, 

First National Bank, Augusta, stock, 

First National Bank, Biddeford, stock, 

Sagadahoc National Bank, Bath, stock, 

First National Bank, Bangor, stock, . 



Par value. 

$50,000 00 

50,000 00 

25,000 00 

50,000 00 

25,000 00 

25,000 00 

40,000 00 

10,000 00 

50,000 00 

12,000 00 

17,000 00 

20,000 00 

69,000 00 

9,000 00 

10,000 00 

2,000 00 

6,000 00 

10,000 00 

20,000 00 

54,500 00 

3,000 00 

25,000 00 

5,000 00 

10,000 00 

19,000 00 

2,000 00 

20,000 00 

14,000 00 

5,261 00 

5,000 00 

2,100 00 

30,000 00 

10,000 00 

5,000 00 

2,000 00 

12,000 00 

3,000 00 

25,000 00 

9,500 00 

10,000 00 

4,600 00 

3,520 00 

3,100 00 

8,750 00 

5,000 00 

3,800 00 

200 00 

2,000 00 



Market value. 

$13,125 00 

46,250 00 

33,250 00 

66,500 00 

29,375 00 

31,125 00 

35,600 00 

11,250 00 

61,500 00 

13,620 00 

18,360 00 

22,400 00 

76,532 50 

10,080 00 

8,900 00 

. 2,380 00 

6,000 00 

12,900 00 

23,600 00 

63,675 00 

3,000 00 

28,000 00 

5,000 00 

10,765 00 

19,570 00 

2,000 00 

20,000 00 

14,000 00 

5,449 98 

5,575 00 

2,175 00 

33,300 00 

10,250 00 

5,000 00 

2,120 00 

12,000 00 

3,120 00 

25,625 00 

9,500 00 

10,000 00 

7,774 00 

5,104 00 

3,534 00 

9,625 00 

6,250 00 

5,700 00 

260 00 

2,660 00 



1882.] 



OF OTHER STATES. 



123 



First National Bank, Lewiston, stock, 
Rockland National Bank, Rockland, stock, 
Biddeford Nat'l Bank, Biddeford, stock, 
Casco National Bank, Portland, stock, 
Canal National Bank, Portland, stock, 
Merchants' Nat'l Bank, Portland, stock, 
National Traders 1 Bank, Portland, stock, 
Georges Nat'l Bank, Thomaston, stock, 
North National Bank, Rockland, stock, 
Ticonie Nat'l Bank, Waterville, stock, 
Northern Nat'l Bank, Hallowell, stock, 
Norway National Bank, Norway, stock, 
Van Wert Nat'l Bank, Van Wert, O., stock, 
Nat'l Shoe and Leather B'k, Auburn, stock, 
People's Nat'l Bank, Waterville, stock, 
Imp. and Traders' N'l B'k, N.Y.City, stock, 
Veazie National Bank, Bangor, stock, 
First National Bank, Wiscasset, stock, 
First National Bank, Auburn, stock, . 



Par value. 

$10,000 00 

4,500 00 

800 00 

15,100 00 

1,100 00 

750 00 

400 00 

1,200 00 

8,700 00 

3,500 00 

15,000 00 

1,000 00 

2,000 00 

100 00 

700 00 

5,000 00 

5,000 00 

400 00 

2,000 00 



Market value. 

$17,000 00 

7,020 00 

1,120 00 

25,519 00 

1,881 00 

1,230 00 

656 00 

1,320 00 

11,745 00 

5,180 00 

21,600 00 

1,100 00 

2,000 00 

116 00 

1,050 00 

13,125 00 

6,400 00 

560 00 

3,260 00 



.,332,181 00 $1,497,360 98 



UNITED STATES LIFE INSURANCE COMPANY OF NEW 

YORK, N. Y. 

[Incorporated Feb. 1850. Commenced business March 4, 1850.] 

Paid-up Capital, $440,000.* 

T. H. Brosnan, President. C. P. Fraleigh, Secretary. 

Income. 

Total premium income, $558,966 49 

Cash received for interest on stocks, bonds and loans, . 222,256 93 

for interest on other debts due the company, 35,627 48 

for rents of company's property, . . 5,764 05 
for profits on securities sold, and profit 

and loss account, 138,823 80 

Total income, $961,438 75 

Net or ledger assets Dec. 31, 1881, 4,727,418 21 

Total, $5,688,856 96 



* Since the last report the charter of this company has been amended, authorizing the 
capitalizing of the scrip of the company into capital stock, when the same (together with 
the capital stock of $250,000) should reach the sum of $440,000. By the scrip dividend for 
the year 1882 this amount has been attained, and all the scrip certificates have been surren- 
dered to the company, and certificates of capital stock have been issued in place thereof for 
an equal amount. The capital stock now standing as above stated, at $440,000. 



124 



LIFE INSURANCE COMPANIES [Dec. 31, 



Disbursements. 
Cash paid for losses and additions, .... 
for matured endowments and additions, . 

Gross amount paid for losses and endowments, 

Cash paid to annuitants, 

for surrendered policies, .... 
Cash dividends paid policy-holders, applied in payment 
of premiums, 

Total paid polic} T -holders, 

Cash paid for dividends to stockholders, . 
for commissions to agents, 
for salaries and travelling expenses of agents, 
for medical examiner's fees, 
for salaries of officers and office employes, 

for taxes and fees, 

for rent, ....... 

for advertising, 

for incidentals, 

Total disbursements, 

Balance, 

Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of real estate, 

Loans on mortgage of real estate (first liens),. 

on collateral security (schedule A), 
Premium notes or loans on policies in force, . 
Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 

deposited in bank, ...... 

Bills receivable, ........ 

Agents' ledger balances, ...... 

Ledger assets (as per balance) , . 

Deduct depreciation from cost of assets, . 

Total net or ledger assets, ...... 

Other Assets. 

Interest due and accrued, 

Market value of real estate over cost, .... 
Uncollected premiums on policies in force, $25,117 38 
Deferred premiums on policies in force, . 71,948 08 



Total, 

Deduct loading (20 per cent.), . 

Net am't uncollected and deferred prems., 

Total assets per company's books, 



$97,065 46 
19,413 09 



,717 51 
44,760 28 

§333,477 79 

136 87 

78,946 46 

47,118 34 

$159 679 46 
30,681 85 
60,077 35 
52,191 58 
10,884 16 
43,117 10 
9,088 79 
18,179 95 
14,665 35 
32,541 94 

$731,107 53 

£4,957,749 43 



J2,847 29 

2,755,288 64 

929,350 00 

88,710 13 

1,033,588 24 

2,928 42 

76,078 80 

13,074 85 

5,883 06 

^4,957,749 43 
4,542 24 



$4,953,207 19 

71,090 65 
5,157 71 



77,652 37 



$5,107,107 92 



1882.] 



OF OTHER STATES. 
Items not Admitted. 



125 



Agents' balances, $5,883 06 

Bills receivable, 13,074 85 

Total, 

Total admitted assets, . . ... 

Liabilities. 

Computed premium reserve or net present value of all 

outstanding policies (Actuaries 1 4 per cent.), 
Deduct net value of re-insured risks, .... 

Net re-insurance reserve, 

Death losses and matured endowments in 

process of adjustment, .... $7,440 00 

Claims resisted by the company, . . 15,000 00 

Total policy claims, .... 

Unpaid dividends of surplus due policy-holders, 
Due for premiums paid in advance, . 

unpresented accounts, etc., 

liability on lapsed policies, 

Liabilities as to policy-holders, . 
Surplus as regards policy-holders, . 



Gross liabilities, 



Premium Note Account. 



$18,957 91 
$5,088,150 01 



$4,600,820 00 
31,514 00 

$4,569,306 00 



22,440 00 
9,616 79 
5,187 77 
3,943 54 
1,868 29 

$4,612,362 39 
475,787 62 

$5,088,150 01 



Premium notes on hand, Dec. 31, 1881, . $82,015 75 

received during 1882, . 31,650 03 

Total, 

Used in payment of losses and claims, . $3,565 86 

of surrendered policies 

and voided by lapse, . 1,808 39 

Redeemed by maker in cash, . . . 19,581 40 

Total, 

Balance note assets Dec. 31, 1882, .... 

Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1881. 



13,665 78 



24,955 65 



,710 13 



Whole-life policies, , 
Endowment policies, 
All other policies, 



Number. Amount. 

7,578 $13,568,133 00 
. 1,705 2,525,889 00 
. 225 577,381 00 



New Policies issued in 1882. 



Whole-life policies, . 
Endowment policies, 
All other policies, 



872 2,014,597 00 

352 745,420 00 

11 43,500 00 



126 



LIFE INSURANCE COMPANIES [Dec. 31, 



Old Policies revived during the Year. 

Whole-life policies, 11 

Endowment policies, 4 

All other policies, 1 

Old Policies increased during the Tear. 

Whole-life policies, 17 

Endowment policies, . t . 4 

All other policies, ...... 2 

Additions by dividends, - 



$23,410 00 
6,035 00 
1,000 00 



50,500 00 
8,000 00 
6,000 00 

49,299 00 



Total number and amount, 



10,782 $19,619,164 00 



Policies ceased to be in Force during the Tear. 



Terminated by death, 

by maturity, 



by expiry, . 

by surrender, 

by lapse, 

by change and decrease, 



Not taken, 



Total terminated, 



Policies in Force Dec 



Whole-life policies, . 
Endowment policies, 
All other policies, 

Totals, 



Number. 

170 
34 
12 

124 

491 
21 

221 



Amount. 

$285,993 00 

43,325 00 

43,500 00 

330,328 00 

1,120,952 00 

129,241 00 

498,720 00 



1,073 $2,452,059 00 



31, 1882. 

Number. Amount. 

7,731 $13,946,090 00 

1,766 2,679,684 00 

212 541,331 00 



9,709 $17,167,105 00 



Schedule A. 

Securities held as Collateral. 

Market value. 

United States bonds, $3,000 00 

Dry Dock, E.B'd'y and Batt. ER. Co. b'ds, 1,180 00 

Chic, Mil. and St. Paul R.R. Co. bonds, . 1,245 00 

1,300 shares of Western Union Tel. Co., . 105,950 Q0\ 

Canada Southern R.R. Co. bonds, . . 9,850 00 I 

100 shares Missouri Pacific R.R. Co., . 10,200 00 J 

400 " Chic, R.I. and Pac R.R. Co., 50,400 00^ 

Great Western R.R. bonds, . . . 1,000 00 I 

N. Y., Lake Erie and W. R.R. bonds, . 19,200 00 [ 

100 shares Western Union Telegraph Co., 8,150 00 

200 " Chic and No.-W'n R.R. Co., . 30,600 00 j 

200 " Morris and Essex R.R. Co., . 12,200 00 J 

Chicago, St. Paul, Minn, and O. R.R. bonds, 3,300 00 "| 

200 shares N. Y. Cent, and H. R. R.R. Co., 25,300 00 j 

200 « Pullman Palace Car Co., . . 24,600 00 

400 " Union Pacific R.R. Co., . . 41,000 00 j 



Amount loaned. 

$2,500 00 
1,000 00 
1,000 00 

100,000 00 



\ 100,000 00 



)■ 75,000 00 



1882.] 



OF OTHER STATES. 



127 



Jersey City bonds, .... 
200 shares Pullman Palace Car Co., . 
300 " Illinois Central Railroad Co., 

61 " Chic., Bur. and Quincy R.R. Co 
500 " Chic, St. P., M. and O. R.R. Co 
400 " Chic, R. I. and Pac R.R. Co., 
400 " Del., Lack, and W'n R.R. Co 
200 " Central Pacific R.R. Co., . 
300 " Chic, Mil. and St. P. R.R. Co 
600 " Del., Lack, and W'n R.R. Co, 
200 " Chic, Mil. and St. P. R.R. Co 
100 " Union Pacific R.R. Co., . 
Col., Chic, and Inch Central RR. bonds, 
600 shares Union Pacific R.R. Co., 
200 " Chic, R. I. and Pacific R.R. Co 
200 " Chic, and No. W'n R.R. Co., 
800 " Del., Lack, and W'n R.R. Co., 
200 " Illinois Central R.R. Co., 
152 " Cent P'k, No. & E. R. R.R. Co. 
N. Y. Cent, and Hudson R. R.R. Co. bonds 
Chic, Bur. and Quincy R.R. Co. bonds, 
Union Pacific Railroad Co. bonds, 
100 shares Manhattan Gas Co. . 
800 " Central Pacific Railroad Co. 

51 " Third Avenue R.R. Co., . 
Missouri Pacific Railroad bonds, 
75 shares Western Union Telegraph Co., 
Missouri Pacific Railroad bonds, 
28 shares American Tel. and Cable Co., 
66 " N.Y., Laoka. and West'n R.R Co 
Chesapeake and Ohio R.R. Co. bonds, 
So. Pacific Railroad bonds, 
Chesapeake and Ohio Railroad bonds, 
So. Pacific Railroad bonds, 



Market value. 

137,537 50 
24,600 00 ^i 
42,300 00 ' 



Amount loaned. 

$30,000 00. 



7,472 50 



J. 100,000 00 



56,500 00 J 
50,400 00^1 



25,600 00 | 



17,200 00 ( 
31,650 00 J 
38,400 00 ^ 
21,100 00 \ 
10,250 00 J 
1,260 00 
61,550 00>j 
25,200 00 
30,600 00 
51,200 10 
28,200 00 j 
22,192 00 } 
9,380 00 
2,565 00 
7,005 00 
10,750 00 
68,800 00 J 
15,300 00 
2,180 00 
6,112 50^ 
1,090 00 I 
1,960 00 f 
5,478 00 j 
30,600 00 \ 
30,900 00 
30,600 00 
30,900 00 



J, 100,000 00 



} 



50,000 00 
650 00 



250,000 00 



6,000 00 
1,700 00 

11,500 00 

50,000 00 
50,000 00 



$1,184,007 50 $929,350 00 



Schedule B. 
Stocks and Bonds owned by the Company. 

Par value. Market value. 

District of Columbia bonds, . . . $65,000 00 $70,850 00 

United States bonds, 160,000 00 168,271 00 

Jersey City bonds, 204,000 00 217,500 00 

South Norvvalk water bonds, . . . 100,000 00 113,550 00 

N.Y., Lacka. and Western R R. bonds, . 100,000 00 109,000 00 

Chicago and No. Western R.R. bonds, . 100,000 00 98,500 00 

Chic, Mil. and St. P. So. M. Div. R.R. b'ds, 100,000 00 105,625 00 

C, Mil. & St P. C. & P. W. Div. R R. b'ds, 50,000 00 45,750 00 

Missouri Pacific Railroad bonds, . . 100,000 00 100,000 00 



$979,000 00 $1,029,046 00 



128 



LIFE INSURANCE COMPANIES [Dec. 31 



VERMONT LIFE INSURANCE COMPANY OF BURLINGTON. 

[Incorporated October 28, 1868. Commenced business Jan. 1, 1869.] 

Paid-up Capital, $100,000. 

Warren Gibbs, President. C. R. Turrill, Secretary. 



Income. 

Total premium income, 

Cash received for interest on stocks, bonds, and loans, . 
for rents of company's property, 

Total income, 

Net or ledger assets, Dec. 31, 1881, 

Total 



134,618 02 

11,615 34 

678 00 

$46,911 36 
216,131 68 

$263,043 04 



Disbursements. 

Cash paid for losses and additions, .... 
Premium notes or loans used in payment of same, . 
Cash paid for matured endowments and additions, . 

Gross amount paid for losses and endowments, 
Cash paid for surrendered policies, .... 
Premium notes or loans used in purchase of surrendered 

policies, and voided by lapse, .... 
Cash surrender values, including reconverted additions 

applied in payment of premiums, .... 
Cash dividends paid policy-holders applied in payment 
of premiums, 



Total paid policy-holders, . . 
Cash paid for dividends to stockholders, . 

for commissions to agents, 

for salaries and travelling expenses of agents 

for medical examiner's fees, 

for salaries of officers and office employes, 

for taxes and fees, 

for rent, 

advanced to officers or agents, 
paid for furniture and office fixtures, 

for advertising, 

for incidentals, 

Total disbursements, 

Balance, 



$4,211 


16 


84 00 


3,000 00 


$7,295 16 


1,724 


60 


1,171 


54 


411 


46 


2,765 


73 


$13,368 49 


6,000 


00 


4,473 


59 


2,412 


80 


772 


10 


3,326 


17 


444 


19 


673 


72 


100 00 


354 


43 


427 


25 


1,948 97 



,301 71 



$228,741 33 



1882.] 



OF OTHER STATES. 



129 



Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), . 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Premium notes or loans on policies in force, . 

Cost value of stocks and bonds owned (schedule B) , 

Cash in company's office, . 
deposited in bank, . 

Ledger assets (as per balance), 
Deduct depreciation from cost of assets. 

Total net or ledger assets, . 



Other Assets. 
Interest due and accrued, .... 
Rents due and accrued, .... 
Market value of stocks and bonds, over cost, 
Uncollected premiums on policies in force, 
Deferred premiums on policies in force, . 

Total, 

Deduct loading (20 per cent.), . 

Net am't uncollected and deferred prems., 

Furniture and fixtures, .... 

Total assets per company's books, 



f 19,450 00 

133,664 00 

17,025 00 

350 00 

3,836 47 

41,251 50 

1,976 17 

11,188 19 



t t 


57 
49 


$228,741 33 
1,450 00 


$2,949 
6,157 


$227,291 33 

2,456 77 

63 00 

2,690 50 


$9,107 06 
1,821 41 


7,285 65 
2,054 00 


• 


• 



$241,841 25 



Items not Admitted. 
Office furniture, etc., 

Total admitted assets, 

Liabilities. 

Computed premium reserve or net present value of all 

outstanding policies (Actuaries' 4 per cent.), 
Deduct net value of reinsured risks, . 



Net re-insurance reserve, . 
Death losses due and unpaid, . 
Matured endowments due and unpaid, 

Total policy claims, . 

Liabilities as to policy-holders, . 
Surplus as regards policy-holders, . 



$1,000 00 
2,000 00 



2,054 00 



$239,787 25 



$143,002 00 
1,237 00 

$141,765 00 



3,000 00 

$144,765 00 
95,022 25 



Gross liabilities, $239,787 25 



130 



LIFE INSURANCE COMPANIES TDec. 31 



Exhibit of Policies. 

Policies and Additions in Force Dec. 31, 1881. 



Whole-life policies, 
Endowment policies, 
All other policies, 



New Policies issued in 1882. 



Whole-life policies, . 
Endowment policies, . 
All other policies, 



Number. 


Amount. 


. 502 


$705,562 00 


. 227 


261,860 00 


. 45 


81,491 00 


. 90 


105,950 00 


. 224 


249,280 00 


3 


6,500 00 



Old Policies increased during the Year. 
Additions by dividends, 



Total number and amount, 



1,183 00 



1,091 $1,411,826 00 



Policies ceased to be in Force during the Year. 



Terminated by death, 

by maturity, . 

by expiry, . 

by surrender, . 

by lapse,. 

by change and decrease, 
Not taken, 



Number. 

5 

1 

7 

21 

81 



105 



Amount. 

$3,272 00 

3,000 00 

8,491 00 

17,342 00 

95,500 00 

6,041 00 

125,631 00 



Total terminated, 



220 $259,277 00 



Whole-life policies, 
Endowment policies, 
All other policies, 



Policies in Force Dec. 31, 1882. 

Number. 

495 

335 

41 



Totals, 



Amount. 

$700,333 00 

372,716 00 

79,500 00 



871 $1,152,549 00 



Schedule A. 

Securities held as Collateral. 

36 shares Merchants 1 Nat'l Bank, Burl. 
30 " Howard Nat'l Bank, Burl, 
208 " National Car Co., St. Albans, 
8 " Burlington Gas Light Co., 



Market value. 


Amount loaned. 


f 1,800 00^ 
3,240 00 / 


$4,400 00 




22,880 00 


12,500 00 


200 00 


125 00 


$28,120 00 


$17,025 00 



1882.] 



OF OTHER STATES. 



131 



Schedule B. 

Stocks and Bonds owned by the Company. 

Cost value. 

14,760 00 



Burlington city bonds, 
255 shares Merchants' Natl Bank, . 
170 " Howard National Bank, . 
122 " Burlington Gas Light Co., 
National Car Co. bonds, 



11,641 50 

17,000 00 

3,050 00 

4,800 00 



Market value. 

14,982 00 

12,750 00 

18,360 00 

3,050 00 

4,800 00 



$41,251 50 $43,942 00 



WASHINGTON LIFE INSURANCE COMPANY OF NEW YORK, 

N. Y. 

[Incorporated Jan., 1860. Commenced business Feb. 2, I860.] 

Paid-up Capital, $125,000. 

W. A. Brewer, Jun., Pres. William Haxtun, Vice-Pres. and Sec'y. 



Income. 

Total premium income, 

Cash received for interest on stocks, bonds and loans, 

for interest on other debts due the company 
as discount on claims paid in advance, 
for rents of company's property, 
for profits on bonds, stocks or gold sold, 



Total income, 
Net or ledger assets Dec. 31, 1881, 



Total, 



Disbursements. 
Cash paid for losses and additions, .... 
for matured endowments and additions, . 

Gross amount paid for losses and endowments, 

Cash paid to annuitants, 

for surrendered policies, .... 
Cash dividends paid policy-holders, applied in payment of 
premiums, 



Total paid policy-holders, 

Cash paid for dividends to stockholders, . 
for commissions to agents, 
for salaries and travelling expenses of agents 
for medical examiner's fees, 
for salaries of officers and office employes, 
for taxes and fees, 



$1,278,000 56 

296,898 52 

3,631 24 

10,905 53 

12,084 69 

28,449 19 

$1,629,969 73 
5,826,712 19 



' ,456,681 92 



$457,930 03 
138,263 59 

$596,193 62 

1,517 43 

241,790 11 

224,762 58 

1,064,263 74 

8,653 75 

83,355 56 

47,021 22 

12,972 75 

43,028 00 

11,202 63 



132 



LIFE INSUKANCE COMPANIES [Dec. 31, 



Cash paid for rent, . 

for commuting commissions, 
for advertising, . 
for incidentals, . 

Total disbursements, . 

Balance, . . 



Invested in the following : — 

Assets as per Ledger Accounts. 

Cost value of real estate, 

Loans on mortgage of real estate (first liens), 
on collateral security (schedule A), 
on company's policies assigned as collateral, 

Cost value of stocks and bonds owned (schedule B), 

Cash in company's office, 

deposited in bank, 

Agents' ledger balances, . . . . . 

Ledger assets (as per balance), .... 

Other Assets. 

Interest due and accrued, 

Market value of real estate over cost 

of stocks and bonds, over cost, . 
Uncollected premiums on policies in force, $54,529 04 
Deferred premiums on policies in force, . 146,280 86 



Total, 

Deduct loading (20 per cent.), . 

Net amt. uncollected and deferred prems., 

Total assets per company's books, 



$200,809 90 
40,161 98 



$8,250 00 
34,214 28 
11,203 25 
37,326 87 

$1,361,492 05 



1,095,189 87 



$487,499 70 

3,885,613 02 

3,000 00 

62,117 36 

1,294,921 30 

8,180 93 

314,302 71 

39,554 85 

16,095,189 87 



41,825 35 

27,045 66 

249,311 20 



160,647 92 
1,574,020 00 



Items not Admitted. 



Agents' balances, 

Total admitted assets, 

Liabilities. 

Computed premium reserve or net present value of all 
outstanding policies (Actuaries' 4 per cent.), 

$5,014 15 
429 15 



Death losses due and unpaid, 
Matured endowments due and unpaid, 
Death losses and matured endowments in 
process of adjustment, .... 
Claims resisted by the company, 
Total policy claims, . 



22,685 58 
16,437 69 



39,554 85 
1,534,465 15 



$5,983,340 00 



44,566 57 



1882.] 



OF OTHER STATES. 



133 



Unpaid dividends due stockholders, . 
Due for salaries, rent and office expenses, 
Premiums paid in advance, 

Liabilities as to policy-holders, . 
Surplus as regards policy-holders, . 



$271 25 
2,540 0G 
4,611 16 



$6,035,328 98 
499,136 17 

$6,534,465 15 



Gross liabilities, 

Exhibit of Policies. 

Policies and Additions in Force Dec. 31, 1881. 

Number. Amount. 

Whole-life policies, 8,988 $19,941,952 00 

Endowment policies, 2,962 5,123,830 00 

All other policies, 10 - 

Reversionary additions, - 862,368 00 

New Policies issued in 1882. 

Whole-life policies, 

Endowment policies, 

All other policies, . . . 

Old Policies revived during the Year 

Whole-life policies, 

Endowment policies, . . . 

Old Policies increased during the Year. 

Whole-life policies, 

Endowment policies, 

Additions by dividends, . . 



1,072 


2,523,060 00 


1,655 


3,704,685 00 


5 


20,000 00 


Tear. 
, 68 


162,500 00 


. 25 


52,500 00 


Year. 




1 


3,050 00 


. 6 


8,000 00 


. 


418,036 00 



Total number and amount, 



14,792 $32,819,981 00 



Policies ceased to be in Force during the Year. 





Number. 


Amount. 


Terminated by death, 


. 146 


$388,121 00 


by maturity, . 


. 57 


137,702 00 


by expiry, 


. 3 


- 


by surrender, . 


. 194 


787,034 00 


by lapse, 


. 638 


1,309,750 00 


by transfer, 


. 7 


10,000 00 


Not taken, 


. 352 
1,397 


813,355 00 


Total terminated, 


$3,445,962 00 



Policies in Force Dec. 31, 1882. 

Number. Amount. 

Whole-life policies, 9,251 $20,594,057 0.0 

Endowment policies 4,132 7,868,010 00 

All other policies, 12 20,000 00 

Reversionary additions, - 891,952 00 



Totals, 



13,395 $29,374,019 00 



134 LIFE INSURANCE COMPANIES. [Dec. 31, '82. 



United States bonds, . 



Schedule A. 
Securities held as Collateral. 

Market value. 

$3,570 00 



Amount loaned. 

$3,000 00 



Schedule B. 

Stocks and Bonds owned by the Company. 

Cost value. 

United States bonds, $145,000 00 



New York state bonds, 
N. Y. and Brooklyn Bridge bonds, 
Brooklyn Park bonds, 
Brooklyn water loan, 
Kingston (N. Y 6 ) coupons, 



794,667 29 

199,100 00 

50,000 00 

106,098 63 

55 38 



Market value. 

$149,062 50 

951,750 00 

247,420 00 

70,000 00 

125,000 00 

1,000 00 



$1,294,921 30 $1,544,232 50 



ACCIDENT INSURANCE COMPANIES. 



Detailed Statements of Assets and Liabilities, with Abstract 

of Annual Statements, for the Year ending 

December 31, 1882. 



136 



ACCIDENT INSURANCE COS. [Dec. 31, 



DETAILED STATEMENTS OF ASSETS AND LIABILITIES 



ACCIDENT INSURANCE COMPANY OF NORTH AMERICA, 
MONTREAL, CANADA. 

[Incorporated June 14, 1872. Commenced business June, 1874.] 

Paid-up Capital, #157,000. 

Alexander T. Galt, President. Edward Rawlings, Secretary. 

Income. 

Total premium income, $114,335 40 

Cash received for interest on stocks, bonds and loans, . 5,754 36 

from suspense account, .... 129 58 

Total income, . . . . • . . . . $120,219 34 
Net or ledger assets Dec. 31, 1881, . . $183,823 75 
Increase of capital during 1882, . . 4,700 00 

Net appreciation, 1,860,63 

190,384 38 

Total, $310,603 72 

Disbursements. 

Cash paid for losses, $27,588 40 

for dividends to stockholders, .... 7,158 32 

for commissions to agents, .... 39,858 89 

for salaries and travelling expenses of agents, 11,401 84 

for taxes and fees, 2,256 59 

for rent, 1,593 90 

for furniture and office fixtures, . . . 540 49 

for advertising, 3,833 65 

for incidentals, 12,029 01 

Total disbursements, ....... $106,261 09 

Balance, , $204,342 63 



1882.] 



ASSETS AND LIABILITIES. 



137 



Invested in the following : — 

Assets as Per Ledger Accounts. 

Value of stocks and bonds owned (schedule B), 

Cash in company's office, 

deposited in bank, 

Agents' ledger balances, 

Ledger assets (as per balance), 

Other Assets. 

Interest due and accrued, 

Premiums in course of collection, .... 

Total assets per company's books, . 

Items not Admitted. 



Agents' balances, 

Total admitted assets, 



$169,453 00 

8,526 31 

13,164 87 

13,198 45 

$204,342 63 



983 36 
45,590 66 

f 250,9 16 65 
13,198 45 



$237,718 20 



Liabilities. 

Premium reserve on account of accident risks outstand- 
ing Dec. 31, 1882, 

Deduct net value of reinsured risks, . 

Net reinsurance reserve, . 
Death losses in process of adjustment, 
Due for salaries, rent and office expenses, 

for commissions on premiums, 



Liabilities as to policy-holders, 

Surplus as regards policy-holders, 
Paid-up capital, .... 

Surplus over capital, . . . 



$58,379 78 
2,120 71 



,259 07 

1,000 00 

1,500 00 

9,118 14 



$67,877 21 

|169,840 99 
157,000 00 

$12,840 99 



Exhibit of Policies. 
Policies and Additions in Force Dec. 31, 1881. 



Accident policies in force, Dec. 31, 1881, 

(net), 

New policies issued in 1882, . 

Total, 

Terminated during 1882, .... 

In force at end of year, 
Policies reinsured, . . . . • . 



Number. 



Amount. 



3,669 $5,666,370 00 
12,589 19,049,700 00 



16,258 $24,716,070 00 
6,816 10,428,870 00 



9,442 $14,287,200 00 
657,500 00 



$13,629,700 00 



138 



ACCIDENT INSURANCE COS. [Dec. 31, 



Massachusetts Business. 

Amount in force Dec. 31, 1882, . . . $314,500 00 
Premiums received during 1882, . . 2,647 71 

Losses paid during 1882, .... 33 57 

Schedule A. 

Stocks and Bonds owned by the Company. 

Par value. 

Montreal Harbor bonds, .... $28,000 00 

L. Champ, and St. Lawrence R.R. bonds, 7,000 00 

Montreal warehouse bonds, . . . 9,733 33 

Guarantee Co. of N. A. stock. . . . 11,000 00 

Dominion stock, 549 67 

Montreal corporation stock, . . . 7,000 00 

United States bonds, . . . . . 100,000 00 



Market value. 

$31,540 00 

6,440 00 

9,733 33 

10,450 00 

549 67 

7,740 00 

103,000 00 



$163,283 00 $169,453 00 



FIDELITY AND CASUALTY COMPANY, NEW YORK, N. Y. 

[Incorporated March 20, 1876. Commenced business May 1, 1876.] 

Paid-up Capital $250,000. 

William M. Richards, President. John M. Crane, Secretary. 

Detailed Statement of Stocks, Bonds, Etc. 

Par value. Market value. 

United States bonds, $250,500 00 $261,962 00 



Securities held as collateral for cash loans : — 



Market value. 



Western Union Telegraph Co., 
New York Central Railroad, 
Second Ave. Railroad, 
Union Pacific Railroad, 
Chicago, R. I. and Pacific Railroad, 
Third Ave. Railroad, . 
Continental Fire Insurance Co., 
Personal loans secured, 



Summary of Assets Dec. 
Bonds as per schedule, .... 
Loans on collateral security as per schedule, 
Cash in the office of the company, . 
Cash deposited in Chemical Natl Bank, . 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Salvage property, 



,937 00 

12,600 00^ 

18,000 00 I 

2,045 00 j> 

625 00 I 

4,640 00 j 

7,500 00 



31, 1882. 

$261,962 00 

89,474 24 

12,541 75 

5,578 93 

86 75 

36,986 44 

1,986 57 



Loaned thereon. 

$50,000 00 
32,000 00 



4,480 00 
2,994 24 

,474 24 



1882.] 



ASSETS AND LIABILITIES. 



139 



$900 61 

897 27 

1,000 00 

$2,797 88 



Liabilities. 






Bills receivable, . 
Ledger balances, 
Furniture, . 

Gross assets, 

Losses adjusted unpaid, 

claimed and reported, . 
disputed or resisted, 

Total amount of losses, 

f Fidelity, 
Unearned premiums on out- j Plate-glass, 
standing risks, j Steam-boiler, 

t Accident, 
Due and accrued for rent, salaries, etc , 
Commissions and brokerage. 

Gross liabilities, except capital, . 

Surplus as regards policy holders, 
Paid-up capital, . . . . 



Surplus over capital, . . 

Income. 

Cash received for fidelity risks, 

Deduct re-insurance and return premiums 

Net cash received for fidelity risks, 
Cash received for plate-glass risks, . 
Deduct re-insurance and return premiums, 

Net cash received for plate-glass risks, 
Cash received for boiler risks, . 
Deduct reinsurance and return premiums, 

Net cash received for boiler risks, 
Cash received for accident risks, 
Deduct re-insurance and return premiums, 

Net cash received for accident risks, . 
Cash received for interest, 

Gross cash income, .... 



Expenditures. 
Cash paid for fidelity claims, 
Deduct amount recovered, 

Net cash paid for fidelity claims, 
Cash paid for plate-glass claims, 
Deduct salvage, . . . . 

Net cash paid for plate-glass claims, 
Cash paid for steam-boiler claims, . 
Cash paid for accident claims, . 
Deduct re-insurance, .... 

Net cash paid for accident claims, 



$1,786 90 
2,135 95 
7,000 00 

$10,922 85 
23,893 38 
21,246 35 
14,869 40 
55,951 41 
1,016 08 
10,972 79 



$18,919 75 
3,201 81 



$42,142 26 
1,503 49 



29,409 24 

802 33 

$167,071 83 

12,252 21 



$5,867 40 
747 51 

$15,523 81 
765 95 



12,345 94 
2,526 21 



$408,616 68 



138,872 26 

$269,744 42 
250,000 00 

$19,744 42 

$45,717 94 
40,638 77 
28,606 91 



154,819 62 
11,695 72 



281,478 96 



,119 89 



14,757 86 
7,240 89 



59,819 73 



140 



ACCIDENT INSURANCE COS. [Dec. 31, 



Cash dividends paid stockholders, 

Cash paid for commissions and brokerage, 

for salaries of officers and employes, 
for State and local taxes, . 

for incidentals, 

Profit and loss account, 

Gross cash expenditures, .... 



$20,000 00 
70,251 39 
30,341 96 

4,584 41 
30,880 70 

2,500 00 

$245,496 83 



Risks and Premiums. 



Fidelity risks outstanding Dec. 31, 1881, 
written during 1882, 



Total, .... 
Cancelled and expired, 

In force at end of year, 
Re-insured, 

Net amount in force, . 



Plate-glass risks outstanding Dec. 31, 1881 
written during 1882, 



Total, . . . 
Cancelled and expired, 

In force at end of year, 
Re-insured, 

Net amount in force, . 



Boiler risks outstanding Dec. 31, 1881, 
written during 1882, 

Total, 

Cancelled and expired, 

In force at end of year, 

Accident risks outstanding Dec. 31, 1881, 
written during 1882, 



Total, .... 
Cancelled and expired, 

In force at end of year, 
Re-insured, 

Net amount in force, . 



12,362,840 00 
7,392,810 00 

^9,755,650 00 
3,952,900 00 



$5 802,750 00 
100,000 00 



$2,231,108 00 
3,327,083 00 

$5,558,191 00 
2,556,634 00 



Premiums. 

20,441 85 
62,360 54 

$82,802 39 
34,128 09 



,674 30 
887 54 



$5,702,750 00 $47,786 76 



$32,370 79 
48,638 22 



$1,018,889 00 

1,629,398 00 

$2,648,287 00 

1,217,167 00 

$1,431,120 00 

1,245 00 



:,429,875 00 $42,492 70 



$81,009 01 
38,476 46 


$42,532 55 
39 85 



$22,075 52 

33,201 55 

$55,277 07 

25,538 26 



$3,001,557 00 $29,738 81 

$11,801,716 00 $113,869 64 

21,524,664 00 214,320 27 

$33,326,380 00 $328,189 91 

16,486,071 00 210,165 28 

$16,840,309 00 $118,024 63 

623,745 00 6,121 81 

$16,216,564 00 $111,902 82 



1882.] 



ASSETS AND LIABILITIES. 



141 



Risks written in 1882, 
Premiums received, , 
Losses incurred, 
Losses paid, 



Massachusetts Business. 

Fidelity. 
.... $171,800 00 

1,207 41 



Accident. 

$664,520 00 
7,628 £6 
2,060 04 
2,060 04 



GUARANTEE COMPANY OF NORTH AMERICA, MONTREAL, 

CANADA. 

[Incorporated Aug. 2, 1851. Commenced business April, 1872.] 

Paid-up Capital, $300,000. 

Alexander T. Galt, President. James Grant, Secretary. 



Detailed Statement of Stocks, Bonds, Etc. 



Montreal Harbor bonds, . 
Toronto city bonds, .... 
L. Champ, and St. Lawrence R.R. bonds, 
Canada Central Railroad bonds, 
Accident Ins. Co of N. A. stock, 
Montreal Corporation bonds, 
Victoria water works bonds, 
Montreal warehouse bonds, 
Dominion stock, 
United States bonds, . 



Par value. 

$31,000 00 

10,000 00 

5,000 00 

9,733 34 

8,500 00 

20,000 00 

10,000 00 

9,733 33 

399 67 

214,000 00 



Market value. 

$34,390 00 

11,400 00 

4,600 00 

10,025 34 

8,500 CO 

21,730 00 

12,000 00 

9,733 33 

399 67 

220,420 00 



$318,366 34 $333,198 34 



Summary of Assets, December 31, 1882. 
Cash value of unencumbered real estate, . $1,600 00 

Stocks, bonds, etc., as per schedule, . . 333,198 34 
Loans on collateral security, . . . 400 00 

Cash in the office of the company, . . 9,883 23 

Cash deposited in banks, ..... 27,624 64 
Interest due and accrued, .... 1,928 99 

Premiums in course of collection (gross), 16,435 41 

Bills receivable, . . . . . 1,379 22 

Office furniture, etc., . . f 3,178 28 

Gross assets, . — 

Deduct special deposit in Virginia, . . . 



$392,449 83 
14,000 00 



Balance, $378,449 83 



142 



ACCIDENT INSURANCE COS. [Dec. 31, 



Liabilities 

Net amount of unpaid losses, . 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., 
Commissions and incidentals, . 

Gross liabilities except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 



$4,283 


17 


55,256 


06 


207 


93 


4,851 


43 



Surplus over capital, . 



Income. 

Cash received for premiums, . . . $118,529 15 

Deduct reinsurance, 397 30 

Net cash received for fire premiums, . . 

Interest and dividends received from all sources, . 
Income from suspense account, . . . 

Gross cash income, 



$64,598 59 

$313,851 24 
300,000 00 



3,851 24 



$118,131 85 

10,437 10 

3,738 05 

$132,307 00 



Expenditures. 

Cash paid for losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries and travelling expenses, 

for taxes and rent, . 

for furniture, 

for incidentals, 

Gross cash expenditures .... 
Risks and Premiums. 



Risks outstanding December 31, 1881, 
written during 1882, 

Total, . . . . ... 

Deduct risks expired and terminated, 

In force at end of year, . 
Deduct amount reinsured, . 

Net amount in force, . 



Risks written during 1882, 

terminated during 1882, . 
Losses incurred during 1882, . 
paid during 1882, . 



. $8,406,625 00 
. 15,080,610 00 

.$23,487,235 00 
. 9,864,135 00 

. $13,623,100 00 
87,125 00 



$26,316 65 

14,378 95 

9,497 21 

28,921 20 

8,946 83 

5,432 47 

16,389 10 

$109,882 41 



Premiums. 

$70,384 74 
129,084 91 

$199,469 65 
88,957 53 



,512 12 

369 80 



.$13,535,975 00 


$110,142 32 


Business. 

Number. 

. 59 

. 22 

2 

1 


Amount. 

$306,800 00 

82,500 00 

3,071 95 

71 95 



1882.] 



ASSETS AND LIABILITIES. 



143 



HARTFORD STEAM BOILER INSPECTION AND INSURANCE 
COMPANY, HARTFORD, CONN. 

[Incorporated June, 1866. Commenced business Oct., 1866.] 

Paid-up Capital, $200,000. 

J. M. Allen, President. J. B. Pierce, Secretary. 



Detailed Statement of Stocks, Bonds, etc. 



Connecticut state bonds, . 

United States bonds, . 

Evansville (Ind.) city bonds, 

Peoria (111.) township bonds, 

Peoria (111.) county bonds, 

Dayton and Western Railroad bonds, 

St. Johnsbury and L. Cham. R R. bonds, 
50 shares City Nat Bank, Hartford, 
13 " Hartford Nat. Bank, Hartford, 
50 " Security Company, . 

100 " N. Y., N. H. and Hart. R.R. . 

100 " Chic, Burl and Q. Railroad, . 

Urbana (111.) township bonds due and 
unpaid, 



Par value. 

$117,000 00 

2,000 00 

10,000 00 

5,000 00 

5,000 00 

15,000 00 

15,000 00 

5,000 00 

1,300 00 

5,000 00 

10,000 00 

10,000 00 



Market value. 

$124,250 00 

2,400 00 

11,200 00 

5,600 00 

5,500 00 

16,500 00 

16,500 00 

5,000 00 

2,275 00 

6,000 00 

18,000 00 

12,400 00 



200,300 00 $225,625 00 
§4,000 00 



Summary of Assets, December 31, 1882. 






Cash value of unencumbered real estate, . 
Loans on mortgage of real estate (first 

liens*), 

Interest due or accrued thereon, 
Stocks, bonds, etc., as per schedule, . 
Cash in the office of the company, . 
Cash deposited in various banks, 
Interest due and accrued, .... 
Premiums in course of collection (net), . 
Gross assets, 

Liabilities. 
Losses adjusted, unpaid, .... 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., . 
Gross liabilities except capital, 

Surplus as regards policy-holders, 
Paid-up capital, 



:,149 14 



134,100 00 


3,573 16 


225,625 00 


1,595 81 


14,994 02 


2,242 90 


31,904 44 


•ffi 1 1 °i 1 9 1 17 




$881 93 


140,500 30 


400 00 



Surplus over capital, . 



141,782 23 

$276,402 24 
200,000 00 



,402 24 



* Value of lands mortgaged, . . . 
Value of lands thereon, . . . . 
Amount of insurance held as collateral, . 



$434,887 00 
95,340 00 
18,390 00 



144 



ACCIDENT INSURANCE COS. [Dec. 31, 



Income. 

Cash received for prems. and inspections, $283,634 30 
Deduct re-insurance and return prem's, . 12,104 91 

Net cash received for premiums, . $271,529 39 

Interest received on bonds and mortgages, . . . 6,887 36 

Interest and dividends received from all other sources, . 13,604 38 

Income from special services, 2,561 62 

Gross cash income, $294,582 75 



Expenditures. 

Cash paid for losses, 

Cash dividends paid, 

Cash paid for commissions and brokerage, 

for salaries of officers and employes 
for state and local taxes, . 
for inspections and incidentals, 

Gross cash expenditures, . 



$35,958 30 

20,000 00 

61,015 33 

14,249 70 

4,723 72 

124,915 77 

$260,862 82 



Risks and Premiums. 

Premiums. 

Risks outstanding Dec. 31, 1881, . . $20,106,732 00 $236,844 96 
written during 1882, . . . 24,121,092 00 288,079 47 



In force at end of year, 



Total, ....... |44,227,824 00 $524,924 43 

Deduct risks expired and terminated, .' 20,763,105 00 244,636 58 



. $23,464,719 00 $280,287 85 



Miscellaneous. 

Premiums and inspection fees received from organization 

of company, $2,328,001 40 

Losses paid from organization of company, . . . 178,471 51 

Cash dividends declared from organization of company, 217,250 00 

Dividends declared during the year (10 per cent.), . 20,000 00 

Losses incurred during the year, 25,141 47 

Company's stock owned by directors, .... 47,280 00 



Massachusetts Business. 

Risks written during 1882, 
Premiums received (gross), 
Received for inspections, . 
Losses paid, 
Losses incurred, . 



$3,750,434 00 

25,414 07 

10,891 75 

3,582 29 

180 00 



1882.] ASSETS AND LIABILITIES. 145 

LLOYDS PLATE-GLASS INSURANCE COMPANY, NEW YORK. 

[Incorporated August, 1882. Commenced business September, 1882.] 

Paid-up Capital, $100,000. 

James G. Beemer, President. War. T. Woods, Secretary. 

Summary of Assets Dec. 31, 1882. 

United States bonds, $103,750 00 

Cash in the office of the company, . . 1,235 43 

deposited in bank, .... 5,514 00 

Premiums in course of collection (gross), 13,486 47 

Glass on hand, 2,062 12 

Premiums more than three months due, 
$91.77. 
Gross assets, $126,048 02 

Liabilities. 

Losses claimed and reported, . . . $1,439 24 

Unearned premiums on outstanding risks, 17,304 51 

Due and accrued for rent, salaries, etc., . 3,241 66 

Commissions and brokerage, . . . 1,558 39 

Gross liabilities, except capital, . . 23,543 80 



Gross cash income, .... 

Expenditures. 

Cash paid for losses, 

Deduct salvage, . 

Net cash paid for fire losses, 
Cash paid for commissions and brokerage, 

for salaries of officers and employes, 
for state and local taxes, . 

Gross cash expenditures, . 



Surplus as regards policy-holders, .... $102,504 22 
Paid-up capital, 100,000 00 



Surplus over capital, $2,501 22 

Income. 
Cash received for premiums, 
Deduct re-insurance and return premiums, 

Net cash received for fire premiums, 
Interest and dividends received from all 
sources, 



$22,810 74 
1,121 98 


21,688 76 
875 00 




$7,407 93 
2,593 88 


$22,563 76 

$4,814 05 

2,953 89 

5,646 24 

894 80 


3S, 


. . • 


$14,308 98 



146 ACCIDENT INSUKANCE COS. [Dec. 31, 

Risks and Premiums. 

Premiums. 

Eisks written during 1882, . . . $1,148,517 00 $36,297 21 
Deduct risks expired and terminated, . 21,237 00 1,688 18 



In force at end of year, . . . $1,127,280 00 $34,609 03 

Miscellaneous. 

Premiums received from organization of company, . $36,297 21 

Losses paid from organization of company, . . . 7,407 93 

Fire losses incurred during the year, .... 8,817 17 

Company's stock owned by directors, .... 61,200 00 

Massachusetts Business. 

Eisks written during 1882, $22,392 43 

Premiums received (gross), 482 47 



METROPOLITAN PLATE-GLASS INSUEANCE COMPANY, 

NEW YOEK. 

[Incorporated April 22, 1874. Commenced business April 23, 1874.] 
Paid-up Capital $100,000. - 
Henry Harteau, President. Thomas S. Thorp, Secretary. 

Summary of Assets Dec. 31, 1882. 

United States bonds, 

Cash in the office of the company, . 
deposited in Union Trust Co., . 
Interest due and accrued, .... 
Premiums in course of collection (gross), 
Glass on hand, . . . - . 
Gross assets, . . . 

Liabilities. 
Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., . 
Commissions and brokerage, . 

Gross liabilities except capital, . 

Surplus as regards policy-holders, . 
Paid-up capital, 



Surplus over capital, .... 

Income. 

Cash received for premiums, 
Deduct re-insurance and return premiums, 
Net cash received for premiums, 
Interest received on bonds and mortgages, 

Gross cash income, .... • . $90,882 13 



$153,562 25 




758 03 




9,767 08 




506 25 




6,797 03 




6,272 52 






$177,663 16 


$1,093 20 


43,539 78 




1,819 20 




1,359 40 






47,811 58 




. 


$129,851 58 




100,000 00 


. 


$29,851 58 


$89,796 55 




4,952 61 






$84,843 94 




• • • 


6,038 19 



1882.] 



ASSETS AND LIABILITIES. 



147 



Expenditures. 

Cash paid for losses, 

Deduct salvage and re-insurance, 
Net cash paid for losses, . 

Cash dividends paid, ...... 

Cash paid for commissions and brokerage, 

for salaries of officers and employes, 
for state and local taxes, . 

Gross cash expenditures, . 



,839 20 
8,869 60 



$30,969 60 

10,000 00 

19,771 76 

20,562 84 

275 68 

$81,579 88 



Risks and Premiums. 



Risks outstanding Dec. 31, 1881, 
written during 1882, 



Total, 

Deduct risks expired and terminated, 

In force at end of year, 



£2,414,505 00 
3,013,639 00 

£5,428,144 00 
2,541,495 00 



Premiums. 

$75,308 78 
92,032 16 

$167,340 94 
80,261 39 



$2,886,649 00 $87,079 55 



Miscellaneous. 

Premiums received from organization of company, . $501,731 00 

Losses paid from organization of company (net), . . 151,645 00 

Cash dividends declared from organization of company, 67,000 00 

Dividends declared during the year (10 per cent.), . . 10,000 00 

Losses incurred during the year, 39,896 60 

Company's stock owned by directors, .... 38,000 00 

Massachusetts Business. 

Risks written during 1882, $357,868 55 

Premiums received (gross), 9,726 51 

Losses paid, 2,935 18 

Losses incurred, 2,935 18 



MUTUAL BOILER INSURANCE COMPANY, BOSTON. 

[Incorporated April 13, 1877. Commenced business June 1, 1877.] 

A. P. Rockwell, President. Herbert Coolidge, Secretary, 



Summary of Assets Dec. 31, 1883. 



Cash in the office of the company, . 

deposited in the Third Nat'l Bank, 
Premiums in course of collection (net), 
Inspection apparatus, 

Miscellaneous, 

Prem. notes liable to assessm't, $29,128 75 
Gross assets, . 



$13 06 

2,075 64 

105 00 

200 00 

32 47 



!,426 17 



148 



ACCIDENT INSURANCE COS. [Dec. 31, 



Liabilities. 
Unearned premiums on outstanding debts, 

Salaries accrued, 

Gross liabilities, 

Balance against the company,* . 

Income. 

Gross cash prems. rec'd during the year, 
Deduct return premiums, . 
Net cash premium received, 
Received for interest from all sources, 

for rents, .... 

from inspections, 
Deposit notes received during the year, 

Gross cash income, 



$2,912 88 
325 46 



5,238 34 



&812 17 



$5,681 75 




70 61 






$5,611 14 




. . 


20 91 


. . . . 


54 00 


. . • . 


154 90 


$29,128 75 






$5,840 95 



Expenditures. 

Paid for brokerage and commissions, 

for salaries and fees of officers and employes, 
for state and local taxes, . 
for rents, . . . ... 

for incidental expenses, 
for inspection expenses, . 

Gross cash expenditures, . 



$105 05 


1,104 


48 


56 


84 


175 


00 


207 


88 


2,404 


96 



t,054 21 



Miscellaneous. 
Risks outstanding Dec. 31, 1881, . . $617,140 00 
written during 1882, . . . 697,200 00 

Total, $1,314,340 00 

Risks terminated during 1882, 625,640 00 

Net amount in force December 31, 1882, .... $688,700 00 
Deposit notes received on outstanding risks, . . . 29,128 75 



Massachusetts Business. 

Risks written during 1882, .... 

Premiums received (gross), .... 
Premium notes received thereon, 



$528,500 00 

4,429 53 

22,147 65 



* By examination made by the Department, June 15, 1883, the impairment as stated above 
is found to be completely made good and a surplus of $490.44 accumulated. 



1882.] 



ASSETS AND LIABILITIES. 



149 



TRAVELERS 1 INSURANCE COMPANY (ACCIDENT DEPART- 
MENT) OF HARTFORD, CONN. 

[Incorporated June 17, 1863. Commenced business April 1, 1864.] 

Paid-up Capital, $600,000. 

James G. Batterson, President. Rodney Dennis, Secretary. 



Income. 

Total premium income, 

Cash received for interest on stocks, bonds and loans, 

for interest on other debts due the company, 
as discount on claims paid in advance, 
for rents of company's property, 



Total income, 
Net or ledger assets Dec. 31, 1881, 



$1,819,313 23 

75,818 71 

12,426 47 

755 76 

1,119 12 

$1,909,433 29 
1,633,902 82 



Total, $3,543,336 11 



Disbursements. 
Cash paid for losses and additions, .... 
for dividends to stockholders, . 
for commissions to agents, 
for salaries and travelling expenses of agents, 
for medical examiner's fees, 
for salaries of officers and office employes, 

for taxes and fees, 

for rent, 

for furniture and office fixtures, 

for advertising, 

for incidentals, . . . . . 

Total disbursements, 

Balance, 



Invested in the following : — 

Assets as per Ledger Accounts. 
Cost value of real estate, .... 
Loans on mortgage of real estate (first liens), 

on collateral security (schedule A), 
Cost value of stocks and bonds owned (schedule B). 
Cash in company's office, . 

deposited in bank, . . . 

Bills receivable, 

Agents' ledger balance, 

Ledger assets (as per balance), . 
Deduct depreciation from cost of real estate, 

Total net or ledger assets, . 



$749,462 35 

96,000 00 

441,107 13 

128,379 02 

21,217 10 

79,594 72 

26,022 00 

30,359 15 

2,540 75 

32,163 74 

67,158 83 

1,674,004 79 

1,869,331 32 



$105,768 22 

42,300 00 

184,849 07 

1,347,756 18 

1,025 54 

162,035 29 

21,021 70 

4,575 32 

51,869,331 32 
20,585 92 

11,848,745 40 



150 ACCIDENT INSUKANCE COS. [Dec. 31, 

Other Assets. 

Interest accrued, $855 63 

Market value of stocks and bonds, over cost, . . . 64,994 49 



Total assets per company's books, .... $1,914,595 52 

Items not Admitted, 
Agents' balances, .... $4,575 32 

Bills receivable, 21,021 70 

Total, 25,597 02 



Total assets of Accident Department, . . . $1,888,998 50 
of Life Department, .... 4,778,395 90 

Gross assets, $6,667,394 40 

Liabilities. 
Premium reserve on account of accident risks outstand- 
ing Dec. 31, 1882, $626,084 71 

Death losses and matured endowments in 

process of adjustment, .... $162,476 00 
Claims resisted by the company, . . 42,000 00 

Total policy claims, .... 204,476 00 

Due for salaries, rent and office expenses, . . . 10,000 00 



Liabilities as to policy-holders in Accident Department, . $840,560 71 

in Life Department, . . 4,148,735 00 

Gross liabilities, $4,989,295 71 

Gross surplus as regards policy-holders, . . $1,678,098 69 

Exhibit of Policies. 

Policies and Additions in Force December 31, 1881. 

Number. Amount. 

Accident policies in force Dec. 31, 1881, . . 68,216 $153,138,932 00 
New policies issued in 1882, .... 103,122 220,870,032 00 



Total,. . . . . ^ . . 171,338 $374,008,964 00 
Policies ceased to be in Force during the Year. 

Number. Amount. 

Terminated by death, 251 f 406,826 00 

by expiry, . . . . . 100,161 200,410,997 00 



Total terminated, 100,412 $200,817,823 00 

Policies in force Dec. 31, 1882, .... 70,926 $173,191,141 00 

Schedule A. 

Securities held as Collateral. 

Market value. Amount loaned 

N. Y., N. H. and H. Railroad stock, . . $4,004 00 $1,000 00 

Texas and New Orleans Railroad bonds, . 75,000 00 60,000 00 

Naugatuck Railroad stock, . . . N . 54,000 00 ^ r q qqq qq 

National Fire Insurance Co. stock, . . 32,500 00/ 



1882.] 



ASSETS AND LIABILITIES. 



151 



Market value. 



Amount loaned. 



National Fire Insurance Co. stock, 
Willimantic Linen Company stock, 
Denver Circle Railroad bonds, 
Meriden Britannia Company stock, 
Willimantic Linen Company stock, 



$32,500 00 | |30,000 00 

38,400 00/ 

12,000 00 10,000 00 

122,250 00 1 3384907 

19,200 00/ 



$389,854 00 $184,849 07 



Schedule B. 

Stocks and Bonds owned by 



United States bonds, . 

Connecticut state bonds, . 

Tennessee state bonds, 

Virginia state bonds, . 

Johnson county (111.) bonds, 

Wayne county (111.) bonds, 

White county (111.) bonds, 

Ottertail county (Minn.) bonds. 

Elizabeth city bonds, . 

Chicago water loan bonds, 

Lima (O.) city bonds, 

Bloomfield (Conn.) bonds, 

Howard (Kan.) township bonds, 

Paw Paw township bonds, 

Indianapolis and Cincinnati R.R. bonds, 

Chicago and North-Western R R. bonds, 

Dubuque and Sioux City R.R. bonds, 

Chic, Burl, and Quincy R.R. bonds, . 
550 shares N. Y., N. H. and H. R.R., 

2,754 " Pennsylvania R.R., 
200 " Union Pacific Railroad, . 
700 " Chic, Burl, and Q. R.R., 
300 " Chic, Mil. and St. Paul R.R. 
400 " Illinois Central Railroad, 
200 " Chic and No.-Western R.R. 
210 " Chicago and Alton Railroad 
250 " American Nat'l Bank, Hart. 
429 " City Nat'l Bank, Hartford, 
264 " Phoenix Nat'l B'k, Hartford, 
181 " Far. and Mech. N'l B'k, H'd, 
213 " ^tna Nat'l Bank, Hartford, 
100 " Mercantile Nat'l B'k, Hart'd 
350 " Hartford Nat'l Bank, Hart., . 
350 " National Exch. Bank, Hart., 
100 " New Britain Nat'l B'k, N. B. 
100 " Nassau National Bank, N. Y. 



the Company. 

Cost value. 

$257,368 00 
17,754 66 
26,677 50 
15,109 50 
23,385 61 

4,965 82 

8,060 44 
45,500 00 

9,593 33 
29,950 00 
15,000 00 
30,000 00 
20,441 43 

6,813 50 
13,160 00 
10,312 50 
10,400 00 

3,000 00 
88,936 25 
170,088 50 
23,462 50 
75,764 75 
28,342 25 
51,156 25 
23,268 75 
22,318 75 
13,782 50 
39,311 75 
35,412 50 
22,822 88 
26,451 87 

9,982 00 

56,415 13 

23,137 01 

11,500 00 

6,000 00 



Market value. 

$267,500 00 
17,841 67 
13,440 00 
12,943 00 
22,540 00 

4,850 00 

8,330 00 
45,500 00 

4,400 00 
36,000 00 
15,000 00 
30,000 00 
20,400 00 

6,800 00 
14,980 00 
10,700 00 
11,600 00 

5,040 00 
100,100 00 
162,486 00 
20,400 00 
86,100 00 
33,100 00 
56,800 00 
30,400 00 
28,140 00 
17,500 00 
38,610 00 
44,880 00 
25,340 00 
27,690 00 
12,500 00 
59,500 00 
26,250 00 
14,000 00 

6,000 00 



152 



ACCIDENT INSURANCE COS. [Dec. 3L 



100 shares Nat'l Bank of Comm., N. Y., 
318 " Hartford Trust Company, 
200 " West'n U. Tel. Co., 
Pullman Palace Car Company bonds, 



Cost value. 

$13,975 00 
29,627 75 
18,000 00 
10,507 50 



Ma.xket value. 

|15,000 00 

33,390 00 

16,200 00 

10,500 00 



$1,317,756 18 $1,412,750 67 



UNITED STATES PLATE-GLASS INSURANCE COMPANY, 
PHILADELPHIA, PENN. 

[Incorporated April 12, 1867. Commenced business August, 1867.] 
Paid-up Capital, #100,000. 
Joseph J. Chahoon, President. Isaac Rindge, Secretary. 



Summary of Assets Dec 
Cash value of unencumbered real estate, . 
Loans on mortgage of real estate (first 

liens*), 

300 shares Gas and Water Company, 

Downington, 

Cash in the office of the company, 

deposited in Seventh Nat'l Bank, 
Building Association stock, 
Premiums in course of collection (gross), 
Rents due and accrued, 
Glass on hand (net), . 
Due from sales of glass, 
Personal loans, . 
Ground rent, 
Gross assets, 



Liabilities 

Losses claimed and reported, . 
Unearned premiums on outstanding risks, 
Due and accrued for rent, salaries, etc., 
State and local taxes, 
Commissions and brokerage, . 
Bills payable, 

Gross liabilities except capital, . 

Surplus as regards policy-holders, 
Paid-up capital, 



31, 1882. 
$31,746 00 

52,000 00 

15,000 00 
373 16 

9,795 24 
877 50 
876 62 

1,383 75 

3,911 55 
149 62 

1,133 24 
444 50 



$276 31 


5,690 


81 


2,436 


94 


251 


23 


170 


30 


124 


79 



$117,691 18 



Surplus over capital, . 



8,950 38 

$108,740 80 
100,000 00 

$8,740 80 



* Value of buildings thereon, . . . $102,500 00 
Amount of insurance held as collateral, . 20,500 0) 



1882.] 



ASSETS AND LIABILITIES. 



153 



Income. 

Cash received for premiums, . 

Deduct reinsurance and return premiums, 

Net cash received for premiums, 
Interest and rents received, 
Income from glass sold, etc., . 

from ground rent, . » 

Gross cash income, .... 



$12,375 40 
435 08 



$11,940 32 

8,214 33 

2,962 68 

26 67 

$23,144 00 



Expenditures. 

Cash paid for losses $2,994 01 

Deduct salvage and re-insurance, . . 1,579 35 

Net cash paid for losses, . . . $1,414 66 

Cash paid for commissions and brokerage, . . . 2,390 81 

for salaries of officers and employes, . . 10,200 29 

for state and local taxes, 700 75 

for rent, glass, etc., 5,095 61 

Gross cash expenditures, $19,802 12 



Risks and Premiums. 

Risks outstanding December 31, 1881, . $ 291,449 00 
written during 1882, . . . 347,164 00 

Total, $638,613 00 

Deduct risks expired and terminated, . 327,679 00 



Premiums. 

$10,925 54 
12,592 66 

$23,518 20 
12,149 90 



In force at end of year, 



$310,934 00 $11,368 30 



Miscellaneous. 

Premiums received from organization of company, 
Losses paid from organization of company, 
incurred during the year, 



209,274 91 

43,101 10 

3,270 32 



Massachusetts Business. 
Risks written during 1882, .... 

Premiums received (gross), .... 

Losses paid, 

Losses incurred, ....... 



$87,659 00 

2,709 33 

460 02 

460 02 



MUTUAL AID AND OTHER BENEFICIARY 
ASSOCIATIONS. 



SUMMARY OF STATEMENTS RECEIVED. 



156 MUTUAL AID AND OTHER [Dec. 31, 



SUMMAKY OF STATEMENTS RECEIVED. 



MASONIC BENEFICIARY ASSOCIATIONS. 



BOSTON MASONIC MUTUAL BENEFIT ASSOCIATION, 

BOSTON. 

[Incorporated Jan. 29, 1879. Commenced business Feb. 3, 1879.] 

Solomon A. Bolster, President. Charles H. Baldwin, Secretary. 
Office, Boom 30, Masonic Temple. 

Income during 1882. 

For membership fees, . $206 00 

assessments, 83 85 

Received from all other sources, 38 

Total income, $290 23 

Balance on hand Dec. 31, 1881, 420 36 

Total, $710 59 

Disbursements during 1882. 

Cash paid for salaries of officers and 

employes, $111 00 

Cash paid for advertising and printing, . 32 75 

for postage, rent, etc., . . 106 00 

Total disbursements, .... 249 75 

Balance, . . . . . . . . $160 84 

Assets Dec. 31, 1882. 
Cash deposited in bank, $460 84 

Exhibit of Membership. 

Total present membership, 237 

Whole number of certificates in force, .... 237 

Total present membership in Massachusetts, . . . 227 

Number of certificates in force, ..... 227 



1882.] BENEFICIARY ASSOCIATIONS. 157 



CONNECTICUT VALLEY MASONIC RELIEF ASSOCIATION, 

GREENFIELD. 

[Incorporated August, 1875. Commenced business August 3, 1875.] 

E. A. Hall, President. Fred G. Tilton, Secretary. 

Income for the Year ending Aug. 2, 1882. 

For membership fees, $67 50 

assessments, 624 90 

interest, 31 21 

Total income, $723 61 

Balance on hand Aug. 3, 1882, 905 58 

Total, $1,629 19 

> 

Disbursements. 

Cash paid for losses and claims (2 deaths), $584 00 
for salaries of officers and em- 
ployes, 85 00 

for postage and printing, . . 13 75 

Total disbursements, .... 682 75 

Balance, $946 44 

Assets Aug. 2, 1882. 
Cash in principal office, . . . . $19 36 
deposited in banks, .... 927 08 
Total amount of cash items, . . $946 44 

Assessments not yet due, .... $666 60 

Liabilities Aug. 2, 1882. 
Adjusted losses and claims not yet due, . . . . $615 00 

Losses and Claims paid during the Year. 

Whole number of deaths, 2 

Whole amount paid the beneficiaries, .... $584 00 

Number of deaths in Massachusetts, .... 2 

Amount paid the beneficiaries, $584 00 

Exhibit of Membership. 

Total present membership, 307 

Whole number of certificates in force, .... 307 



158 MUTUAL AID AND OTHER [Dec. 31, 



EASTERN MASSACHUSETTS MASONIC MUTUAL RELIEF 
ASSOCIATION, BOSTON. 

[Incorporated Dec. 31, 1878. Commenced business March 3, 1873.] 

Edward H. Brainard, President. Manning C. Davy, Secretary. 

Office, 12 Summer Street. 

Income during 1882. 

For membership fees, $846 00 

assessments, . 24,031 63 

interest, 339 77 



Total income $25,217 40 

Balance on hand Dec. 31, 1881 11,223 60 



Total, $36,441 00 

Disbursements during 1882. 

Cash paid for losses and claims (15 deaths), $22,576 00 
for salaries of officers and em- 
ployes 1,000 00 

for furniture and fixtures, . . 80 00 

for all other items, . . . 613 74 

Total disbursements, 24,269 74 



Balance, . $12,171 26 

Assets Dec. 31, 1882. 
Cash in principal office, .... $2,555 06 

deposited in savings banks, . . 4,529 31 

Bonds owned, 5,086 89 

Total amount of cash items, . . $12,171 26 

Losses and Claims paid during the Year. 

Whole number of deaths, 15 

Whole amount paid the beneficiaries, .... $22,576 00 

Number of deaths in Massachusetts, .... 11 

Amount paid the beneficiaries, $17,765 00 



Exhibit of Membership. 

Total present membership, ..... 
Whole number of certificates in force, 
Gross amount of benefits represented therein, . 
Total present membership in Massachusetts (about), 
Number of certificates in force, .... 

Gross amount of benefits represented therein, . 



1,662 
1,662 

$2,762,244 00 
1,300 
1,300 

$1,690,000 00 



1882.] BENEFICIARY ASSOCIATIONS. 159 



ESSEX COUNTY MASONIC MUTUAL RELIEF ASSOCIATION, 

SALEM. 

[Incorporated April 13, 1882. Commenced business March 14, 1875.] 

Thomas J. Hutchinson, President. William H. Kendall, Secretary. 

Income during 1882. 

For membership fees, . . . . . . . $114 00 

assessments, 2,137 80 

interest, 27 66 

Total income, $2,279 46 

Balance on hand Dec. 31,1881, 730 88 

Total, . . . . • . . . . $3,010 34 

Disbursements during 1882. 

Cash paid for losses and claims (3 deaths), $2,058 00 
for salaries of officers and em- 
ployes 129 20 

for printing, stationery, postage, 

etc., 65 06 

Total disbursements, . 2,252 26 

Balance, $758 08 

Assets Dec. 31, 1882. 

Cash in principal office, .... $45 13 

deposited in bank, . . , . 712 95 

Total amount of cash items, . . $758 08 

Losses and Claims paid during the Year. 

Whole number of deaths, 3 

Whole amount paid the beneficiaries, .... $2,058 00 

Number of deaths in Massachusetts, .... 3 

Amount paid the beneficiaries, $2,058 00 

Exhibit of Membership. 

Total present membership, 341 

Whole number of certificates in force, .... 341 

Gross amount of benefits represented therein, . . $232,562 00 



160 



MUTUAL AID AND OTHER [Dec. 31, 



LAWRENCE MASONIC MUTUAL RELIEF ASSOCIATION, 

LAWRENCE. 

[Commenced business July 24, 1874.] 

N. P. H. Melvin, President. A. E. Mack, Secretary. 



Income for the Year ending Oct. 1, 1882. 



For membership fees, 
assessments, 
interest, 



Total income, 
Balance on hand Oct. 1, 1881, . 



Total, 



$32 00 

179 30 

23 48 

$234 78 
596 26 

$831 04 



Disbursements for the Year ending Oct. 1, 1882. 

Cash paid for losses and claims (1 death), $164 00 
for salaries of officers and em- 
ployes, 

for printing, postage, etc., 
Total disbursements, .... 



Balance, 



25 00 




6 85 






195 85 



$635 19 



Assets Oct. 1, 1882. 
Cash deposited in savings bank, ........ 

Losses and Claims paid during the Year. 

Whole number of deaths, 

Whole amount paid the beneficiaries, .... 
Number of deaths in Massachusetts, . . 
Amount paid the beneficiaries, 

Exhibit of Membership. 

Total present membership, 

W T hole number of certificates in force, 

Gross amount of benefits represented therein, 

Total present membership in Massachusetts, 

Number of certificates in force, 

Gross amount of benefits represented therein, 



$635 19 



$164 00 
1 

$164 00 



168 
168 

,224 00 
168 
168 

,224 00 



1882.] 



BENEFICIARY ASSOCIATIONS. 



161 



MASONIC MUTUAL RELIEF ASSOCIATION OF CENTRAL 
MASSACHUSETTS, WORCESTER. 

[Incorporated March 8, 1876. Commenced business March, 1873.J 

Josiah Pickett, President. George E. Boyden, Secretary. 



Income for year ending March 15, 1883. 



For membership fees, 
assessments, 
interest, etc., 



Total income, . 
Balance on hand March 15, 1882, 



Total, 



$696 00 

32,696 00 

445 07 

$33,837 07 

14,169 85 

$48,006 92 



Disbursements for Year ending Mar. 15, 1883. 

Cash paid for losses and claims (14 deaths) , $28,000 00 
for salaries of officers and em- 
ployes, 

for postage, stationery, etc., 
Total disbursements, .... 



900 00 




375 69 






29,275 69 





Balance, 



,731 23 



Assets March 15, 1883. 
Cash in principal office, .... $1,609 56 



deposited in savings banks, 
Total amount of cash items, 



14,121 67 



,731 23 



Losses and Claims paid during the Year. 



Whole number of deaths, . . 
Whole amount paid the beneficiaries, 
Number of deaths in Massachusetts, 
Amount paid the beneficiaries, . 



14 

$28,000 00 

11 

$22,000 00 



Exhibit of Membership. 

Total present membership, 

Whole number of certificates in force, 

Gross amount of benefits represented therein, 

Total present membership in Massachusetts, 

Number of certificates in force, 

Gross amount of benefits represented therein, 



2,585 
2,585 

),170,000 00 
1,899 
1,899 

5,798,000 00 



162 



MUTUAL AID AND OTHER [Dec. 31, 



MASONIC MUTUAL RELIEF ASSOCIATION OF WESTERN 
MASSACHUSETTS, SPRINGFIELD. 

[Incorporated Oct. 1875. Organized Aug. 1870. ] 

George W. Ray, President. Arthur I. Bemis, Clerk. 



Income for Year ending Nov. 1, 1882. 

For membership fees, . . . . 
assessments, . . . . * . 
interest, . . ' . 



Total income, 
Balance on hand Nov. 1, 1881, 



Total, 



$738 00 

85,346 00 

918 07 

$87,002 07 

27,575 93 

$114,578 00 



Disbursements for Year ending Nov. 1, 1882. 
Cash paid for losses and claims (32 deaths) , $80,000 00 
for salaries of officers and em- 
ployes, 1,500 00 

for furniture and fixtures, . . 50 00 

for advertising, postage, etc., . 580 34 

for rent and incidentals, . . 1,018 29 



Total disbursements, 
Balance, 



Assets Nov. 1, 1882. 

Cash deposited in bank, . . . .,'... 
Furniture fixtures and safe, 

Liabilities Nov. 1, 1882. 
Assessments paid in advance, 

Losses and Claims paid during the Year. 

Whole number of deaths, 

Whole amount paid the beneficiaries, .... 
Number of deaths in Massachusetts, .... 
Amount paid the beneficiaries, 



Exhibit of Membership. 

Total present membership, 

Whole number of certificates in force, 

Gross amount of benefits represented therein, 

Total present membership in Massachusetts, 

Number of certificates in force, 

Gross amount of benefits represented therein, 



83,148 63 
$31,429 37 



$31,429 37 
1,445 97 



$439 00 



32 

$80,000 00 

26 

$65,000 00 



2,659 
2,659 

$6,647,500 00 
2,080 
2,080 

$5,200,000 00 



1882.] BENEFICIARY ASSOCIATIONS. 163 

RIGHT ARM MASONIC MUTUAL RELIEF ASSOCIATION OF 
COUNTY OF BARNSTABLE, WEST HARWICH, MASS. 

[Incorporated Jan. 24, 1881. Commenced business Jan. 4, 1882.] 

Abiathar Doane, President. Samuel S. Baker, Secretary. 

Income during 1882. 

For membership fees, $1,302 85 

assessment, 1,593 40 

interest, 40 48 

From all other sources, 4 25 

Total income, $2,940 98 

Disbursements during 1882. 

Cash paid for losses and claims (4 deaths), $1,409 00 
for salaries of officers and 

employes, .... 96 75 
for printing, postage and sta- 
tionery, 114 68 

Total disbursement, .... 1,620 43 

Balance, $1,320 55 

Assets Jan. 3, 1883. 

Cash in principal office, .... $90 59 

deposited in bank, . . . . 153 71 

United States bond, ..... 1,076 25 

Total amount of cash items, . . $1,320 55 

Losses and Claims paid during the Year. 

Whole number of deaths, 4 

Whole amount paid the beneficiaries, .... $1,409 00 

Number of deaths in Massachusetts, 4 

Amount paid the beneficiaries, . . . . . $1,409 00 

Exhibit of Membership. 

Total present membership 35 1 

Whole number of certificates in force, ..... 35 1 

Gross amounts of benefits represented therein, . . $123,201 



164 MUTUAL AID AND OTHER [Dec. 31, 

SOUTHERN MASSACHUSETTS MASONIC MUTUAL RELIEF 
ASSOCIATION, TAUNTON. 

[Incorporated Dec. 4, 1882. Commenced business Sept. 11, 1873.] 

Edward Mott, President. George F. Pratt, Secretary. 

Income for Year ending Sept. 11, 1882. 

For membership fees, $431 00 

assessments, 12,518 00 

interest, . . . 148 51 

Total income $13,097 51 

Balance on hand Sept. 12, 1882, 5,574 49 

Total, $18,672 00 

Disbursements for Year ending Sept. 11, 1882. 
Cash paid for losses and claims (11 deaths) $1 1 626 00 
for salaries of officers and 

employes, .... 500 00 
for printing, stationery, etc., 182 80 
Total disbursements, .... 12,308 80 

Balance, $6,363 20 

Assets Sept. 11, 1882. 

Cash deposits in savings banks, . . . . . $6,363 20 

Assessments due and unpaid, . . . $268 40 

not yet due, .... 1,182 50 

Total, $1,450 90 

Liabilities Sept. 11, 1882. 
Amount due for salary of secretary, $750 00 

Losses and Claims paid during the Year. 

Whole number of deaths, 11 

Whole amount paid beneficiaries, $11,626 00 

Number of deaths in Massachusetts, .... 9 

Amount paid the beneficiaries, $9,503 00 

Exhibit of Membership. 

Total present membership, 1,075 

Whole number of certificates in force, .... 1,075 

Gross amounts of benefits represented therein, . . $1,155,625 00 

Total present membership in Massachusetts, . . . 1,045 

Number of certificates in force, 1,045 

Gross amount of benefits represented therein, . . $1,092,025 00 



1882.] 



BENEFICIARY ASSOCIATIONS. 



165 



SUFFOLK MASONIC MUTUAL RELIEF ASSOCIATION, 

BOSTON. 

[Incorporated May 4, 1882. Commenced business Oct. 19, 1877.] 

Richard Beeching, President. Horace B. Butler, Clerk. 

Office, Masonic Hall, East Boston. 



Income during 1882. 



For membership fees, 
assessment fees, . 
interest, 



Total income, 
Balance on hand Dec. 31, 1881, 



Total, 



$18 


00 


131 


90 


16 


75 


$166 


65 


452 


38 



$619 03 



Disbursements during 1882. 

$110 00 



Cash paid for losses and claims (1 death), 
for salaries of officers and 
employes, . . . . 
for printing, postage, etc., 
Total disbursements, . 



Balance, 



30 00 
59 67 



199 67 



$419 36 



Assets Dec. 31, 1882. 
Cash in principal office, . . . $19 36 

United States bonds, 400 00 

Total amount of cash items, . . 



$419 36 



Losses and Claims paid during the Year. 



Whole number of deaths, 

Whole amount paid the beneficiaries, 
Number of deaths in 'Massachusetts, 
Amount paid the beneficiaries, .... 

Exhibit of Membership. 

Total present membership, . 

Whole number of certificates in force, 

Gross amount of benefits therein, 

Total present membership in Massachusetts, 

Number of certificates in force, 

Gross amount of benefits represented therein, 



1 

$110 00 

1 

$110 00 


110 
110 

$12,100 00 
107 
107 

$11,800 00 



166 



MUTUAL AID AND OTHER [Dec. 31, 



UNION MASONIC MUTUAL RELIEF ASSOCIATION, NEWTON- 

VILLE. 

[Incorporated Feb. 1, 1879. Commenced business May, 1873.] 

Luther E. Leland, President. Joseph W. Griggs, Clerk. 



Income for Nine Months ending Jan. 31, 1883. 



For membership fees, 
assessment fees, . 
interest, 



Total income, 
Balance on hand April 30, 1882, 



$119 00 

3,847 80 

124 96 


$4,091 76 
3,622 62 



Total, 



',714 38 



Disbursements for Nine Mos. ending Jan. 31, 1883. 
Cash paid for losses and claims (4 deaths), $3,496 00 
for salaries of officers and 

employes, .... 195 00 
for all other items, . . . 145 38 
Total disbursements, .... 3,836 38 



Balance, 



5,878 00 



Assets Feb. 1, 1883. 
Cash deposited in banks, , 



$3,878 00 



Liabilities Feb. 1, 1883. 

Due for salaries of officers and employes, $90 00 

all other debts, .... 19 79 

Total liabilities 



$109 79 



Losses and Claims paid during the Year. 

Whole number of deaths, 4 

Whole amount paid the beneficiaries, .... $3,496 00 

Number of deaths in Massachusetts, .... 4 

Amount paid the beneficiaries, ...... $3,496 00 



Exhibit of Membership 

Total present membership, 

Whole number of certificates in force, 

Gross amount of benefits represented therein, 

Total present membership in Massachusetts, 

Number of certificates in force, 

Gross amount of benefits represented therein, 



1,035 

1,035 

$103,500 00 

974 

974 

$97,400 00 



1882.] BENEFICIARY ASSOCIATIONS. 167 



ODD FELLOWS' BENEFICIARY ASSOCIATIONS. 



COLUMBIAN MUTUAL BENEFIT ASSOCIATION, STONEHAM. 

[Incorporated Sept. 13, 1881. Commenced business Sept. 24, 1881.] 

Eliphalet Cloutman, President. George L. W. Dike, Secretary, 

Income for Year ending Jan. 6, 1883. 

For membership fees, $24 00 

assessments, 56 00 

interest etc., . . 15 02 

Total income, . $95 02 

Balance on hand Jan. 6, 1882, 724 69 

Total, $819 71 

Disbursements for Year ending Jan. 6, 1883. 
Cash paid for losses and claims (2 deaths), $386 00 
for salaries of officers and em- 
ployes, 25 00 

printing, postage, etc., . . 35 45 
Total disbursements, .... 446 45 

Balance, . . $373 26 

Assets Jan. 6, 1883. 

Cash in principal office, .... $0 80 
deposited in bank, .... 372 46 
Total amount of cash items, . . $373 26 

Losses and Claims paid during the Year. 

Whole number of deaths, 2 

Whole amount paid the beneficiaries, .... $386 00 

Number of deaths in Massachusetts, .... 2 

Amount paid the beneficiaries, . . . . . . $386 00 



168 MUTUAL AID AND OTHER [Dec. 31, 



Exhibit of Membership. 

Total present membership, .... 
Whole number of certificates in force, 
Gross amount of benefits represented therein, 
Total present membership in Massachusetts, . 
Number of certificates in force, .... 
Gross amount of benefits represented therein, . 



98 
98 
>,012 00 
98 
98 
$19,012 00 



LYNN ODD FELLOWS' MUTUAL BENEFIT ASSOCIATION, 

LYNN. 

[Incorporated April 19, 1881. Reorganized April 19, 1881.] 

John S. Mansfield, President. Charles A. Johnson, Secretary. 

Income during 1882. 

For membership fees, $27 00 

assessments, 5,432 70 

Total income, . $5,459 70 

Balance on hand Dec. 31, 1881, ...... 109 47 

Total, $5,569 17 

Disbursements during 1882. 

Cash paid for losses and claims (6 deaths), $5,214 00 
for salaries of officers and em- 
ployes, .... 237 89 

Total disbursements, .... 5,451 89 

Balance, . $117 28 

Assets Dec. 31, 1882. 
Cash deposited in bank, $117 28 

Losses and Claims paid during the Year. 

Whole number deaths, . 6 

Whole amount paid the beneficiaries, . . . . . $5,214 00 

Exhibit of Membership. 

Total present membership, 431 

Whole number of certificates in force, .... 431 

Gross amount of benefits represented therein, . . . $371,522 10 



1882.] BENEFICIARY ASSOCIATIONS. 169 



NEW ENGLAND PROVIDENT ASSOCIATION, I. O. O. F., EAST 

CAMBRIDGE. 

[Incorporated April 16, 1878. Commenced business April 16, 1878.] 

G. H. Loomis, President. Walter Winward, Secretary. 

Income during 1882. 

For membership fees, $14 00 

assessments, 345 90 

Total income, $359 90 

Balance on hand Dec. 31, 1881, 371 00 

$730 90 
Disbursements during 1882. 

Cash paid for losses and claims (2 deaths), $301 00 
for salaries of officers and em- 
ployes, 25 00 

for stationery, postage, etc., . 17 38 

Total disbursements, .... 343 38 

Balance, $387 5 

Assets Dec. 31, 1882. 

Cash in principal office, .... $16 67 
deposited in bank, .... 370 85 
Total amount of cash items, . . $387 52 

Losses and Claims paid during the Year. 

Whole number of deaths, 2 

Whole amount paid the beneficiaries, .... $301 00 

Exhibit of Membership. 

Total present membership, 152 

Whole number of certificates in force, .... 152 

Gross amount of benefits represented therein, . . $23,104 00 



170 MUTUAL AID AND OTHER [Dec. 31, 

ODD FELLOWS BENEFICIAL ASSOCIATION OF THE STATE 
OF MASSACHUSETTS, BOSTON. 

[Incorporated Feb. 25, 1881. Commenced business March 20, 1874.] 

Horace W. Stickney, President. J. G. Bartholmesz, Secretary. 

Office, 515 Tremont Street. 

Income during 1882. 

For membership fees, $242 00 

assessments, 25,699 40 

From all other sources, 253 41 

Total income, $26,194 81 

Balance on hand Dec. 31, 1881, 3,303 33 

Total, $29,498 14 

Disbursements during 1882. 

Cash paid for losses and claims (30 deaths), $24,267 00 
for salaries of officers and em- 
ployes, 600 00 

for furniture and fixtures, . . 54 00 
for all other, .... 466 95 
Total disbursements, .... 25,387 95 

Balance, $4,110 19 

Assets Dec. 30, 1882. 

Cash deposited in banks, $4,110 19 

All other property : — 
Safe, $175.00; desk, $54.00, . . . . $229 00 

Losses and Claims paid during the Year. 

Whole number of deaths, 30 

Whole amount paid the beneficiaries, .... $24,267 00 

Number of deaths in Massachusetts, .... 30 

Amount paid the beneficiaries, $24,267 00 

Exhibit of Membership. 

Total present membership, 1,558 

Whole number of certificates in force, .... 1,558 

An assessment of $ 1.00 is made at a death of any member. 



1882.] BENEFICIARY ASSOCIATIONS. 171 



ODD FELLOWS MUTUAL BENEFIT ASSOCIATION OF 
CHARLESTOWN DISTRICT, BOSTON. 

[Incorporated Jan. 7, 1881. Commenced business Jan. 7, 1881.] 

John Turner, President. Fred. M. Reed, Secretary. 

Office, 21 Main Street. 

Income during 1882. 

For membership fees, $52 00 

assessments, 4,215 00 

fines, i 64 00 

Total income, $4,331 00 

Balance on hand Dec. 31, 1881, 523 43 

Total, ... $4,854 43 

Disbursements during 1882. 

Cash paid for losses and claims (8 deaths), $4,236 00 
for salaries of officers and em- 
ployes, 161 97 

for all other items, ... 80 55 
Total disbursements, .... 4,478 52 

Balance, $375 91 

Assets Dec. 31, 1882. 

Cash in principal office, .... $86 32 

deposited in banks, .... 289 59 

Total amount of cash items, . . $375 91 

Assessments due and unpaid, . . . $20 75 

Losses and Claims paid during the Year. 

Whole number of deaths, 8 

Whole amount paid the beneficiaries $4,236 00 

Exhibit of Membership. 

Total present membership, 523 

Whole number of certificates in force, .... 523 

Gross amount of benefits represented therein, . . $273,529 00 



172 MUTUAL AID AND OTHER [Dec. 31, 



ODD FELLOWS 1 MUTUAL BENEFIT ASSOCIATION OF 

CHELSEA. 

[Incorporated Feb. 14, 1881. Commenced business Mar. 27, 1874.] 

John W. Perkins, President. Charles W. Allen, Secretary. 

Office, Odd Fellows' 1 Hall, Chelsea. 

Income during 1882. 

For membership fees, . . . . . . . $94 00 

assessments, 322 30 

reinstatements and fines, 9 20 



Total income, . . $425 50 

Balance on hand Dec. 31, 1881, . . . ... 221 56 



Total, $647 06 



Disbursements during 1882. 

Cash paid for losses and claims (2 deaths), $333 00 
for salaries of officers and em- 
ployes, ..... 25 00 
for printing, postage, etc,, . 25 77 
Total disbursements, .... 383 77 



Balance, $263 29 



Assets Dec. 31, 1882. 

Cash in principal office, . . . . $11 00 

deposited in bank, .... 252 29 

Total amount of cash items, . . $263 29 

Interest due and accrued, .... $6 60 



Losses and Claims paid during the Year. 

Whole number of deaths, .......* 2 

Whole amount paid the beneficiaries, .... $333 00 

Number of deaths in Massachusetts, .... 2 

Amount paid the beneficiaries, $333 00 



Exhibit of Membership. 

Total present membership, ...... 179 

Whole number of certificates in force, .... 179 

Total present membership in Massachusetts, . . . 160 

Number of certificates in force, . . . 160 



1882.] BENEFICIARY ASSOCIATIONS. 173 



ODD FELLOWS 1 MUTUAL BENEFIT ASSOCIATION, DOR- 
CHESTER. 

[Commenced business Oct. 29, 1873.] 

Samuel Cochran, President. J. K. Tileston, Secretary. 

Office, Neponset Avenue, Boston. 

Income during 1882. 

For membership fees, . $10 10 

assesments, 102 20 

Total income, $112 30 

Balance on hand Jan. 18, 1882, 157 12 

Total, $269 42 

Disbursements during 1882. 

Cash paid for losses and claims (1 death), $93 00 

for printing and postage, . 10 50 

Total disbursements, .... 103 50 

Balance, $165 92 

Assets Jan 16, 1883. 
Cash in principal office, $165 92 

Losses and Claims paid during the Year. 

Whole number of deaths, 1 

Whole amount paid the beneficiaries $93 00 

Exhibit of Membership. 

Total present membership, 94 

Whole number of certificates in force, .... 94 

Gross amount of benefits represented therein, . . . $8,836 00 



ODD FELLOWS' MUTUAL BENEFIT ASSOCIATION OF ESSEX 

NORTH, SALEM. 

[Incorporated Sept. 22, 1877. Commenced June, 1869.] 

James S. Hutchinson, President. Nathaniel A. Very, Secretary. 

Income during 1882. 

For membership fees, $422 00 

assessments, 28,888 00 



174 



MUTUAL AID AND OTHER [Dec. 31 



For interest, 
fines, etc., 



Total income, . . 
Balance on hand Dec. 31, 1881, 



$100 00 
64 70 

$29,474 70 
5,404 90 



Total, 



,879 60 



Disbursements during 1882. 

Cash paid for losses and claims (24 deaths), $24,975 00 
for salaries of officers and 

employes, .... 1,082 79 

for postage, printing, etc., . 363 22 

Total disbursements, .... 



26,421 01 



Balance, 



5,458 59 



Assets Dec. 31, 1882. 



Cash deposited in banks, . 
Assessments due and unpaid, 
Assessments not yet due, . 

Total, .... 



$103 00 
3,000 00 

>3,103 00 



5,458 59 



Liabilities Dec. 31, 1882. 

Adjusted losses and claims due and unpaid, . 



;,ooo oo 



Losses and Claims paid during the Year. 



Whole number of deaths, . 
Whole amount paid the beneficiaries, 
Number of deaths in Massachusetts, 
Amount paid the beneficiaries, . 



24 

$24,975 00 

20 

$21,982 00 



Exhibit of Membership. 

Total present membership 

Whole number of certificates in force, 

Gross amount of benefits represented therein, 

Total present membership in Massachusetts, 

Number of certificates in force, 

Gross amount of benefits represented therein, . 



1,654 
2,005 

$2,005,000 00 
1,548 
1,875 

$1,875,000 00 



1882.] 



BENEFICIAKY ASSOCIATIONS. 



175 



ODD FELLOWS MUTUAL BENEFIT ASSOCIATION, LOWELL 

[Commenced business July 15, 1868.] 

James T. Trask, President. George M. Elliott, Secretary. 



Income for Year ending July 21, 1882. 

For membership fees, 

assessments, 



Total income, 
Balance on hand July 15, 1881, 



Total, 



$295 50 

4,858 50 

$5,154 00 
1,471 63 

§6,625 63 



Disbursements for Year ending July 21, 1882. 
Cash paid for losses and claims (6 deaths), $4,716 00 
for salaries of officers and em- 
ployes, . 
for printing, postage, 



Total disbursements, . 
Balance, 

Assets 



Cash in principal office, 
deposited in banks, 
Total amount of cash items, 



etc., 



170 00 
98 99 



4,984 99 
\ 1,640 64 



July 21, 1882. 



$40 64 
1,600 00 



Losses and Claims paid during the Year. 

Whole number of deaths, 

Whole amount paid the beneficiaries, .... 

Exhibit of Membership. 

Total present membership, 

Whole number of certificates, 

Gross amount of benefits represented therein, 
Do business only in the city of Lowell. 



,640 64 



6 
$4,716 00 



799 

799 

$638,401 00 



ODD FELLOWS MUTUAL BENEFIT ASSOCIATION, PROVINCE- 
TOWN. 

[Incorporated Oct. 26, 1882. Commenced business, Oct. 29, 1872.] 

Joseph P. Johnson, President. Isaiah A. Small, Secretary. 

Income during 1882. 



For membership fees, 
assessments, 



Total income, 
Balance on hand Jan. 11, 1882, 

Total 



$23 00 
949 00 

$972 00 
370 71 

$1,342 71 



176 MUTUAL AID AND OTHER [Dec. 31, 

Disbursements during 1882. 
Cash paid for losses and claims (5 deaths), $955 00 
for salaries of officers and em- 
ployes, . 10 00 
for printing, postage, etc., . 24 75 
Total disbursements, .... $989 75 



Balance, $352 96 

Assets Jan. 10, 1883. 

Cash in principal office, . . . . $17 75 
deposited in banks, .... 99 32 

United States bond and interest, . . 250 64 

Total amount of cash items, . . f 367 71 

Losses and Claims paid during the Year. 

Whole number of deaths, 5 

Whole amount paid the beneficiaries, .... $955 00 

Exhibit of Membership. 

Total present membership „ 190 

Whole number of certificates in force, .... 190 

Gross amount of benefits represented therein, . . $36,100 00 

Does business only in Massachusetts. 



ODD FELLOWS MUTUAL KELIEF ASSOCIATION, CAMBRIDGE. 

[Incorporated May 10, 1881. Commenced business Dec. 7, 1871.] 

Henry P. Trask, President. John K. Thompson, Secretary. 

Office, 566 Main Street. 

Income during 1882. 

For membership fees, $37 00 

assessments, 2,693 60 

Total income, . $2,730 60 

Balance on hand Dec. 31,1881, 1,283 89 

Total, $4,014 49 

Disbursements during 1882. 

Cash paid for losses and claims (4 deaths), $2,584 00 
for salaries of officers and em- 
ployes, 40 00 

for advertising, ... 52 28 
Total disbursements, . . . . 2,676 28 

Balance, $1,338 21 



1882.] BENEFICIARY ASSOCIATIONS. 177 

Assets Dec. 31, 1882. 

Cash deposited in banks, $1,338 21 

Interest due and accrued, .... f 26 85 

Losses and Claims paid during the Year. 

Whole number of deaths, 4 

Whole amount paid the beneficiaries, .... $2,584 00 

Number of deaths in Massachusetts, .... 4 

Amount paid the beneficiaries, $2,584 00 

Exhibit of Membership. 

Total present membership, 320 

Whole number of certificates, 320 

Total present membership in Massachusetts, . . . 307 

Number of certificates in force, 307 



ODD FELLOWS MUTUAL RELIEF ASSOCIATION OF THE 
CONN. RIVER VALLEY, SPRINGFIELD. 

[Incorporated Feb. 3, 1876. Commenced business Feb., 1873.] 

John M. Wood, President. William H. Winans, Secretary. 

Income during 1882. 

For membership fees, ...;.., $1,966 50 

assessments, 37,141 00 

Received from interest, etc , 777 85 

Total income, $39,885 35 

Balance on hand Dec. 31, 1881, . . . . . . 10,058 53 

Total, $49,943 88 

Disbursements during 1882. 
Cash paid for losses and claims (42 deaths), $34,379 17 
for salaries of officers and 

employes, .... 1,250 00 
for printing, postage, etc., . 922 27 
Total disbursements, .... 36,551 44 

Balance, $13,392 44 

Assets Dec. 31 1882. 

Cash in principal office, .... $98 39 
deposited in banks, .... 13,294 05 
Total amount of cash items, . . $13,392 44 

Interest due and accrued, .... $201 94 



178 



MUTUAL AID AND OTHER [Dec. 31, 



Assessments due and unpaid, 

not yet due, . 
Office furniture, . 

Total, .... 



£3,843 00 

2,953 00 

450 00 



$7,447 94 

Liabilities Dec. 31, 1882. 

Losses and claims not yet due, 

due and unpaid, 

Total liabilities, 



$2,953 00 
4,414 00 

$7,367 00 



Losses and Claims paid during the Year. 

Whole number deaths, 42 

Whole amount paid the beneficiaries, .... $34,379 17 
Number of deaths in Massachusetts, .... 31 

Amount paid the beneficiaries, $30,219 00 



Exhibit of Membership. 

Total present membership, ..... 
Whole number of certificates in force, 
Total present membership in Massachusetts, . 
Number of certificates in force, 



3,901 
3,901 
3,052 
3,052 



ODD FELLOWS' MUTUAL RELIEF ASSOCIATION OF 
WORCESTER COUNTY, WORCESTER. 

[Incorporated Oct. 15, 1877. Commenced business Oct. 13, 1871. J 

A. H. Fisher, President. H. H. Marshall, Secretary. 

Income during 1882. 



For membership fees, .... 
fines, interest, etc., .... 


$315 10 

11,994 80 

164 34 


Balance on hand Dec. 31, 1881, 


. . . $12,474 24 
5,914 45 




$18,388 69 



Disbursements during 1882. 

Cash paid for losses and claims (14 deaths), $12,109 00 

for travelling expenses, . 23 57 
for salaries of officers and 

employes, . . . . 544 92 

for advertising, rent, etc , . 182 90 

Total disbursements, .... 



12,860 39 



Balance, 



$5,528 30 



1882.] 



BENEFICIARY ASSOCIATIONS. 



179 



Assets Dec. 31, 1882. 



Cash in principal office, 

deposited in banks, . 
United States bonds, . 

Total amount of cash items, 
Office furniture and safe, . 
Assessments not yet due, . 

Total, 



$17 85 
4,510 45 
1,000 00 

$200 00 
1,199 00 

$1,399 00 



1,528 30 



Losses and Claims paid during the Year. 

Whole number of deaths, ........ 14 

Whole amount paid the beneficiaries, .... $12,109 00 

Number of deaths in Massachusetts, 13 

Amount paid the beneficiaries, . ...... $11,109 00 



Exhibit of Membership. 

Total present membership, 

Whole number of certificates in force, 

Gross amount of benefits represented therein, 

Total present membership in Massachusetts, 

Number of certificates in force, 

Gross amount of benefits represented therein, . 



1,268 
1,268 

$1,203,761 00 
1,199 
1,199 

$1,136,600 00 



180 MUTUAL AID AND OTHER [Dec. 31, 



ORGANIZATIONS UNDER SECRET ADMINISTRA- 
TION. 



GRAND LODGE ANCIENT ORDER OF UNITED WORKMEN, 

BOSTON. 

[Incorporated Feb. 9, 1883. Commenced business Feb. 1, 1882.] 

Wm. H. Locke, Grand Master Workman. Hugh Doherty, Grand 

Recorder. 

Office, 396 Broadway. 

Income during 1882. 

For assessments, $18,011 00 

per capita tax, etc., . . , ■ . . . . 4,444 25 

Total income, . . . . . . . . $22,455 25 

Disbursements during 1882. 

Cash paid for losses and claims (8 deaths), $16,000 00 

for salaries to agents, . . 800 00 
for salaries of officers and 

employes, .... 1,300 00 

for furniture, etc., ... 80 00 
for postage, printing, and per 

capita tax, .... 2,056 17 

Total disbursements, . . . 20,236 17 

Balance, $2,219 08 

Assets Dec. 31, 1882. 
Cash deposited in bank, ....... $2,219 08 

Losses and Claims paid during the Year. 

Whole number of deaths, 8 

Whole amount paid the beneficiaries, .... $16,000 00 

Number of deaths in Massachusetts, 6 

Amount paid the beneficiaries, $12,000 00 



1882.] 



BENEFICIAEY ASSOCIATIONS. 



181 



Exhibit of Membership. 

Total present membership, . - 

Whole number of certificates in force, 

Gross amount of benefits represented therein, . 

Total present membership in Massachusetts, . 

Number of certificates in force, 

Gross amount of benefits represented therein, 



3,662 
3,662 

$7,324,000 00 
2,027 
2,027 

$4,054,000 00 



GOLDEN RULE ALLIANCE, BOSTON. 

[Incorporated June 9, 1880. Commenced business June 16, 1880.] 

John S. Damrell, President C. J. Spenceley, Secretary. 

Office, 4 Exchange Place. 



Income during 1882. 
For membership fees, 
annual dues, 
assessments, 
per capita tax, supplies, etc., 



Total income, 
Balance on hand May 1, 1882, 



Total, 



Disbursements during 1882. 
Cash paid for losses and claims (6 deaths), $5,788 88 

for compensation to agents, 
for travelling expenses to agents, 
for medical examiner's fees, 
for salaries of officers and em- 
ployes, ..... 
for furniture, fixtures and safe, 
for advertising, printing, sup- 
plies, etc., .... 
Total disbursements, .... 



Balance, 



Assets Dec 31, 1882. 
Cash in principal office, . . . . $136 45 

deposited in banks, .... 1,426 55 

in chapters, 1,297 72 

Total amount of cash items, . . 

Liabilities Dec. 31, 1882. 
Adjusted losses and claims not yet due, . $2,000 00 
Due for salaries of officers and employes, 1,561 79 
Total, 



$3,194 50 

2,077 00 

6,744 86 

659 08 

$12,675 44 
1,652 83 



$14,328 27 



1,932 61 




18 15 




774 00 




104 88 




107 00 




2,742 03 






11,467 55 






$2,860 72 



$2,860 72 



$3,561 79 



182 



MUTUAL AID AND OTHER [Dec. 31, 



Losses and Claims paid during the Year. 

Whole number of deaths, ....... 6 

Whole amount paid the beneficiaries, .... $5,778 88 

Number of deaths in Massachusetts, .... 6 

Amount paid the beneficiaries, $5,778 88 



Exhibit of Membership. 
Total present membership, 
Whole number of certificates in force, 
Gross amount of benefits represented therein, 
Total present membership in Massachusetts, . 
Number of certificates in force, 
Gross amount of benefits represented therein, 



1,057 

1,057 

$2,002,500 Q0 

957 

957 

$1,796,500 00 



GRAND COMMANDERY OF UNITED ORDER OF THE GOLDEN 

CROSS. 

[Incorporated March 25, 1881. Commenced business Dec. 10, 1878.] 

William H. Solomon, President. James B. Truewortht, Secretary. 

Office, Lowell. 

Income for Year ending April 1, 1883. 

For semi-annual dues, $2,828 75 

From all other sources, . 892 17 

Total income, ........ $3,720 92 

Balance on hand April 1, 1882, 704 34 

Total, $1,425 26 

Disbursements for Year ending April 1, 1883. 
Cash paid for miscellaneous expenses, .'""". . . 2,976 57 

Balance, $1,448 69 

Assets April 1, 1883. 

$1,448 69 



Cash in principal office, 



Losses and Claims paid during the Year. 

Number of deaths in Massachusetts, .... 
Amount paid the beneficiaries,* 

Exhibit of Membership. 

Total present membership in Massachusetts, . 
Number of certificates in force, 



25 

$47,000 00 



2,980 
2,980 



* On the death of any member the beneficiaries are paid directly from the Supreme 
Lodge. 



1882.] BENEFICIAKY ASSOCIATIONS. 183 

GRAND LODGE KNIGHTS OF HONOR OF MASSACHUSETTS. 

[Incorporated Feb. 7, 1879. Commenced business March 1, 1876.] 

Wm. W. Woodbury, Or. Dictator. Charles H. Eaton, Or. Reporter. 
Office, 730 Washington Street, Boston. 

Statement for 1882. 

Assessments paid the supreme treasurer, .... 0220,065 37 
Amount received from the supreme treasury by the 
beneficiaries of deceased members in Massachusetts 

(65 deaths), 130,000 00 

Membership in Massachusetts, • 11,063 

Supplementary. 
Report of the Supreme Lodge. (Widows' 1 and Orphans' 1 Benefit Fund.) 

Income during 1882. 

For assessments, $2,482,595 66 

Balance on hand Jan 1, 1882, 148,686 74 

Totals, x . . . . $2,631,282 40 

Disbursements during 1882. 

Paid 1,217 full rate, . . . . . $2,434,000 00 
13 half rate, ..'... 13,000 00 
Total disbursements, .... 2,447,000 00 

Balance, $184,282 40 

General Fund. 

Balance on hand Jan. 1, 1882, $6,346 59 

Received from sale of supplies, tax, etc., .... 57,273 35 

Total, $63,619 94 

Paid for supplies and miscellaneous expenses, , . 56,661 10 

Balance, $6,958 84 

Number of members, 125,526 

Amount of benefits represented therein,' . . $249,033,000 00 



184 MUTUAL AID AND OTHER [Dec. 31 



GRAND LODGE KNIGHTS AND LADIES OF HONOR, 
CAMBRIDGEPORT. 

[Incorporated Jan. 27, 1882. Commenced business July 23, 1878.] 

S. B. Breed, President. William F. Lander, Secretary. 

Statement for 1882. 

Assessments paid supreme treasurer by members in Mas- 
sachusetts, $ 17,192 45 

Received from supreme treasurer by beneficiaries of 

deceased members (7 deaths), 7,000 00 



Exhibit of Membership. 



Number of members in Massachusetts, 
Number of certificates in force, 
Amount represented therein, 
Number of members in the order, 
Number of certificates in force, . 
Amount represented therein, 



1,973 

1,979 

$2,072,000 00 

24,704 

29,805 

$32,645,000 00 



Statement of Supreme Lodge for Year ending 1882. 

Amount on hand Sept 1, 1881, $815 48 

Received during the year, 179,840 65 



Total, • $180,656 13 

Disbursements. 
Cash paid for losses and claims (168 deaths), . . . 168,000 00 



Balance, $12,656 13 



IMPERIAL COUNCIL OF THE ORDER OF UNITED FRIENDS. 

[Incorporated Dec. 2, 1881. Commenced business Dec. 2, 1881.] 

John C. Nutt, President. O. M. Shedd, Secretary. 

Office, Poughkeepsie, New York. 

Income during 1882. 

For annual dues, $1,054 55 

assessments, 6,280 59 

From all other sources, 3,801 01 

Total income, $11,136 15 



1882.] BENEFICIAEY ASSOCIATIONS, 



185 



Disbursements during 1882. 



Cash paid for losses and claims (3 deaths), 


$4,880 55 


for medical examiner's fees, 


527 59 


for salaries of officers and 




employes, .... 


666 69 


for furniture, etc., . 


75 00 


for advertising, 


83 33 


for New York State tax, 


5 00 


for jewels, paraphernalia, etc., 


3,353 57 


Total disbursements, 





1,591 73 



Balance, 



1,544 42 



Assets Dec. 31, 1882. 



Cash deposited in bank, 
Assessments not yet due, 
Jewels, safe, books, etc., 

Total, . 



12,741 89 
1,200 00 

'.3,941 89 



,544 42 



Liabilities Dec. 31, 1882. 

Due for salaries of officers and employes, $100 00 

All other debts, 202 36 

Total, 

Losses and claims on which no assessment has been 
made, 



$302 36 
1,827 92 



Losses and Claims paid during the Year. 

Whole number of deaths, 3 

Whole amount paid the beneficiaries, .... $4,880 55 

Number of deaths in Massachusetts, .... None 

Amount paid the beneficiaries, None. 



Exhibit of Membership. 

Total present membership, .... 

Whole number of certificates in force, 

Gross amount of benefits represented therein, 

Total present membership in Massachusetts, . 

Number of certificates in force, 

Gross amount of benefits represented therein, . 



2,306 
2,291 

$5,125,000 00 

533 

5 27 

$1,237,000 00 



186 MUTUAL AID AND OTHER [Dec. 31, 

INDEPENDENT ORDER OF UNITED ESSENIANS, PEABODY. 

[Incorporated Nov. 10, 1880. Commenced business Dec. 3, 1880.] 

S. B Gilbert, Supreme Chief. 

Income during 1832. 

For assessments, . $87 04 

Balance on hand Dec. 31, 1881, 58 06 

Total, $145 10 

Disbursements during 1882. 
Cash paid for losses and claims (1 death), . $87 04 
Total disbursements, 87 04 

Balance, . . ... ... . . . $58 06 

Assets Dec. 31, 1882. 
Cash deposited in bank, . . . . . . . $58 06 

Losses and Claims paid during the Year. 
Number of deaths in Massachusetts .... 1 

Amount paid the beneficiaries, . . ... . . $37 04 

Exhibit of Membership. 
Total present membership in Massachusetts, ... 38 

Number of certificates in force, 38 

Gross amount of benefits represented therein, . . . $16,150 00 
Does business only in Massachusetts. 



KNIGHTS OF PYTHIAS (ENDOWMENT RANK). 

[Incorporated Aug. 25, 1870. Commenced business Nov. 1,1877.] 

John P. Linton, Sup. Chancellor. 

John B. Stumph, Sup. Master of Exchequer. 

Office, Indianapolis, Ind. 

Income during 1882. 

For membership fees, $6,950 00 

assessments, 507,183 55 

supplies, etc., k 592 75 

Total income, ........ $514,726 30 

Balance on hand Dec. 31,1882, 10,098 70 

Total, ....... . $524,825 00 



1882.] BENEFICIARY ASSOCIATIONS. 

Disbursements duning 1882. 

Cash paid for losses and claims (321 

deaths), .... $500,000 00 

for salaries of officers and 
employes, .... 

for rent, 

for .supplies and office ex- 
penses, .... 

for furniture, attorney fees, 

etc., 

Total disbursements, .... 



187 



6,241 00 




416 64 




8,668 95 




1,461 07 






$516,787 66 





Balance, 



5,037 34 



Assets Dec. 31, 1882. 

Cash in principal office, . . . . $172 74 

deposited in banks, .... 7,864 60 

Total amount of cash items, . . 



§8,037 34 



Liabilities Dec. 31, 1882. 

Adjusted losses and claims not yet due, . $90,270 00 
Adjusted losses and claims due and unpaid, 2,000 00 

Total liabilities, 

Losses and claims on which no assessment has been made 
resisted, 



$92,270 00 
$1,000 00 



Losses and Claims paid during- the Year. 

Whole number deaths, 321 

Whole amount paid the beneficiaries, .... $500,000 00 

Number of deaths in Massachusetts, 15 

Amount paid the beneficiaries, $23,000 00 



Exhibit of Membership. 

Total present membership, 

Whole number of certificates in force, 

Gross amount of benefits represented therein, 

Total present membership in Massachusetts, 

Number of certificates in force, 

Gross amount of benefits represented therein, 



26,848 

26,848 

$41,592,287 00 

1,017 

1,017 

$1,567,780 00 



188 



MUTUAL AID AND OTHER [Dec. 31, 



NATIONAL AMERICAN ASSOCIATION. 

[Incorporated Jan. 29, 1879. Commenced businesss Jan. 29, 1879.] 

John C. Ralston, President. L. Browning, Secretary. 

Office, 75 Warren St., Boston. 



Massachusetts Branch. 

Amount of assessments paid national treasurer during 
1882 by members of the order in Massachusetts, . 

Amount received from national treasurer for death claim 
in Massachusetts, 

Membership in Massachusetts, 



$828 25 

$1,163 00 
344 



THE SUPREME SITTING OF THE ORDER OF THE IRON 

HALL. 

[Incorporated Dec. 17, 1881. Organized March 28, 1881. ] 

Emi Kennedy, Supreme Justice. C. H. Horton, Supreme Accountant. 

Office, Indianapolis, Ind. 



Income for Year ending Dec. 20, 1882. 
Amount received during the year, . . $61,477 00 
Less 20 per cent, to reserve fund, . . 12,295 40 

Amount received by supreme cashier, . 

Balance on hand Dec. 20, 1881, 

Total, 

Amount paid sick and disability claims and assess- 
ments returned, . . . . 



,181 60 
296 10 



Balance on hand, 



,477 70 
46,425 00 
$3,052 70 



Reserve Fund. 

Amount held by local branches for 1881, . 

1882, . 

Total reserve fund without interest, . 

Number of States in which the order exists, 
of local branches, 
of members, . ... 

Total value of certificates in force, . 



$755 90 
12,295 40 


$13,051 30 

25 

115 

3,274 

,796,447 50 



1882.] BENEFICIARY ASSOCIATIONS. 189 

Massachusetts Local Branches. 

Reserve Fund. 

Amount held by local branches to date, with interest, . $686 37 

Relief Fund. 

Amount paid supreme cashier to date, .... $2,510 80 

received from cashier to date in payments of 
benefits, 1,295 00 

General Fund. 

Total receipts from fees and dues, . . . . $805 58 

expenditures, 648 38 

Balance on hand, $157 20 

Total present membership in Massachusetts, ... 132 

Face value of certificates in force, $125,530 00 



STATE GRAND UNION OF EQUITABLE AID UNION. 

[Incorporated June 1, 1882. Commenced business Nov. 29, 1879.] 

L. E. Learotd, President. O. D. Robertson, Secretary. 

Office, Tapleyville, Mass. 

Income during 1882. 

For membership fees, $104 00 

annual dues, 563 25 

assessments, 4,802 72 

Total income, $5,469 97 

Disbursements during 1882. 

Cash paid for losses and claims, . . $4,802 72 
for medical examiner's fees, . 41 00 
for salaries of officers and em- 
ployes, 92 50 

for rent, stationery, etc., . . 186 03 
Total disbursements, .... 5,122 25 

Balance (in hands of treasurer) , $347 72 



190 MUTUAL AID AND OTHER [Dec. 31, 



SUPREME UNION OF THE EQUITABLE AID UNION, 
COLUMBUS, PENN. 

[Incorporated March 22, 1879. Commenced business April 25, 1879.] 

D. A. Dewey, Supreme President. W. H. Muzzey, Supreme Secretary. 

Office, Columbus, Penn. 

Income during 1882. 

For dues, . . . $5,655 06 

assessments, . . . . . . . 171,522 15 

supplies, etc., . . . . . . . 8,613 72 



Total income, $185,790 93 

Balance on hand Dec. 31, 1881, 2,057 85 



Total, $187,848 78 

Disbursements during 1882. 

Cash paid for losses and claims (91 deaths), $166,282 50 
for travelling expenses to agents, 327 51 
for salaries of officers and em- 
ployes, 

for furniture, fixtures and safes, 
for advertising, 

for printing, postage, rent, etc., 
Total disbursements, .... 

Balance, $7,250 93 

Assets Dec. 31, 1882. 
Cash on hand, . . . $7,250 93 

Losses and Claims paid during the Year. 

Whole number of deaths, 91 

Whole amount paid the beneficiaries, .... $166,282 50 

Number of deaths in Massachusetts, .... 1 

Amount paid the beneficiaries, $2,150 00 



7,826 20 


- 


334 70 




250 00 




5,576 94 






180,597 85 





Exhibit of Membership. 

Total present membership, .... 

Whole number of certificates in force, 

Gross amount of benefits represented therein, 

Total present membership in Massachusetts, . 

Number of certificates in force, 

Gross amount of benefits represented therein, 



13,692 

13,692 

$27,838,729 95 

281 

281 

$624,214 00 



1882.] BENEFICIAKY ASSOCIATIONS. 191 

STATE COURT OF THE MASSACHUSETTS INDEPENDENT 
ORDER OF FORESTERS, BOSTON. 

[Incorporated June 12, 1882. Commenced business July 10, 1881.] 

Michael M. Cunniff, President. Peter B. Corbett, Secretary. 

Office, 80 Old Harbor Street, South Boston. 

Income during 1882. 

For assessments, $14,321 00 

Balance on hand Dec. 31, 1881, 706 00 

Total, $15,027 00 

Disbursements during 1882. 
Cash paid for losses and claims, 15,000 00 

Balance, ......... $27 00 

Assets Dec. 31, 1882. 
Cash deposited in bank, $27 00 

Liabilities Dec. 31, 1882. 
Adjusted losses and claims not yet due, .... $5,000 00 

Losses and Claims paid during the Year. 

Whole number of deaths, 16 

Whole amount paid the beneficiaries, .... $11,000 00 

Exhibit of Membership 

Total present membership, 884 

Whole number of certificates in force, 884 

Gross amount of benefits represented therein, . . $884,000 00 
Massachusetts only. 



SUPREME COLONY UNITED ORDER OF THE PILGRIM 
FATHERS, LAWRENCE. 

[Incorporated March 15, 1879. Commenced business March 19, 1879.] 

W. H. Emery, President. James E. Shepard, Secretary. 

Income during 1882. 

For membership fees, . . ... . . $800 00 

annual dues, 1,415 68 

assessments, 18,930 36 

From all other sources, 275 80 

Total income, . $21,421 84 

Balance on hand Dec. 31, 1882, . . . . . . . 1,571 13 

Total, $22,992 97 



192 



MUTUAL AID AND OTHER [Dec. 31, 



Disbursements during 1882. 

Cash paid for losses and claims (11 deaths), $19,015 96 
for compensation to agents, . 480 00 
for salaries of officers and em- 
ployes, 675 00 

for all other items, . . . 1,219 48 

Total disbursements, . . . . . 



Balance, 



521,390 44 
$1,602 53 

$1,602 53 



Assets Dec. 31, 1882. 

Cash deposited in bank, 

Assessments due and unpaid, estimated, . $200 00 

Office furniture, supplies, etc., . . . 300 00 

Total, $500 00 



Losses and Claims paid during the Year. 

Whole number of deaths, 11 

Whole amount paid the beneficiaries, .... $19,015 96 

Number of deaths in Massachusetts, .... 9 



Amount paid the beneficiaries, .... 

Exhibit of Membership. 

Total present membership, 

Whole number of certificates in force, 

Gross amount of benefits represented therein, 

Total present membership in Massachusetts, 

Number of certificates in force, 

Gross amount of benefits represented therein, 



$15,015 96 



2,493 
2,493 

$4,755,000 00 
1,762 
1,762 

$3,429,000 00 



SUPREME COUNCIL AMERICAN LEGION OF HONOR, 

BOSTON. 

[Incorporated March 11, 1879.] 

Michael Nisbet, Sup. Commander. Adam Warnock, Sup. Secretary. 

Office, 442 Washington St. 

Income during 1882. 

For membership fees, $18,512 50 

annual dues, . 11,582 17 

assessments, 972,506 41 

From sale of bonds, . . . . . . . . 10,000 00 

charters, supplies, etc., 18,660 77 

Total income, $1,031,261 85 

Balance on hand Dec. 31, 1881, 11,906 83 

Total, $1,043,168 68 



< 



1882.] BENEFICIARY ASSOCIATIONS. 193 

Disbursements during 1882. 

Cash paid for losses and claims (288 deaths), $980,000 00 
for salaries of officers and 

employes, .... 18,297 58 

for miscellaneous expenses, . 40,835 41 

Total disbursements, .... $1,039,132 99 



Balance . $ 4,035 69 

Assets Dec. 31, 1882. 



Cash in hands of supreme treasurer, 
United States bonds, . 
Total amount of cash items, 
Assessments due and unpaid, . 
not yet due, . 



$4,035 69 
2,000 00 

$13,097 01 
87,446 11 



1,035 69 



Total, . . $100,543 12 

Liabilities Dec. 31, 1882. 

Adjusted losses and claims not yet due, .... $58,500 00 
All other debts, 888 60 



Total liabilities, $59,388 60 

Losses and claims resisted on which no assessment has 

been made, $5,000 00 

Losses and Claims paid during the Year. 

Whole number of deaths, . 288 

Whole amount paid the beneficiaries, . $980,000 00 

Number of deaths in Massachusetts, 32 

Amount paid the beneficiaries, $93,000 00 

Exhibit of Membership. 

Total present membership, 47,297 

Whole number of certificates in force, . 47,297 

Gross amount of benefits represented therein, . . . $160,914,500 00 
Total present membership in Massachusetts, . . . 5,654 

Number of certificates in force, 5,654 

Gross amount of benefits represented therein, . . .$19,280,000 00 



194 MUTUAL AID AND OTHER [Dec. 31, 

SUPREME COUNCIL OF THE HOME CIRCLE, BOSTON. 

[Incorporated Jan. 13, 1880. Commenced business Nov. 5, 1879.] 

Julius M. Swain, Sup. Leader. N. H. Fuller, Step. Secretary. 

Office, Jamaica Plain. 

Income during 1882. 

From assessments, $8,098 94 

benefit certificates, etc., ...... 2,153 70 

Total income, $10,252 64 

Balance on hand Dec. 31, 1881, 145 16 

Total, $10,397 80 

Disbursements during 1882. 
Cash paid for losses and claims (4 deaths,) $6,930 34 
for salaries of officers and 

employes, . . . 700 00 
for printing, postage, etc., . 1,512 03 
Total disbursements, .... 9,142 37 

Balance, • . $1,255 43 

Assets Dec. 31, 1882. 

Cash in principal office, $1,255 43 

Assessments due and unpaid, . . . $44 29 

Supplies on hand 201 10 

Total, $245 39 

Liabilities Dec. 31, 1882. 
Amount due for borrowed money, . .. . . $514 07 

for printing, etc., . . . ... . . 225 70 

Total, ........... $739 77 

Losses and Claims paid during the Year. 

Whole number of deaths, 4 

Whole amount paid the beneficiaries, .... $6,930 35 

Number of deaths in Massachusetts, .... 1 

Amount paid the beneficiaries, $1,624 55 

Exhibit of Membership. 

Total present membership, 1,492 

Whole number of certificates in force, .... 1,492 

Gross amount of benefits represented therein, . . . $3,859,000 00 



1882.] 



BENEFICIARY ASSOCIATIONS. 



195 



Total present membership in Massachusetts, . 

Number of certificates in force, . 

Gross amount of benefits represented therein, . 



873 00 

735 00 

.,614,000 00 



SUPREME COUNCIL OF THE ROYAL ARCANUM, BOSTON. 

[Incorporated Nov. 5, 1877. Commenced business June 23, 1877.] 

Wm. S. Tennant, Sup. Regent. W. O. Robson, Sup. Secretary. 

Office 66 State Street. 



Income during 1882. 



For benefit certificates, 
annual dues, 
assessments, 
interest, 
supplies, 

Total income, 
Balance on hand Dec. 31, 1881, 

Total, . . ... 



Disbursements during 1882. 
Cash paid for losses and claims (230 deaths), $679,500 00 



$8,644 00 

12,058 42 

707,129 43 

330 00 

5,726 64 

$733,888 49 
25,388 55 

$759,277 04 



for compensation to agents, . 


2,165 00 




for salaries of officers and 






employes, .... 


15,229 15 




for rent, supplies, and general 






expenses, . . 


8,351 81 




Total disbursements, ..... 




705,245 96 


. 


Balance, . . . . 


$54,031 08 


Assets Dec. 31, 


1882. 




Cash in principal office, .... 


$845 07 




deposited in banks, .... 


45,209 40 




invested, 


7,976 61 




Torn! fimniiTit nf pat«ri itpun 




$54,031 08 


Interest due and accrued, 


$102 50 


Per capita due, 


7,240 31 




Assessments due and unpaid, . 


4,212 98 




Assessments not yet due (with treasurers 






of sub-councils) , 


77,301 86 




Due from councils and deputies, 


3,266 24 




Stock on hand, 


3,206 00 


8Q* 5*9Q «Q 



196 



MUTUAL AID AND OTHER [Dec. 31 



Liabilities Dec. 31, 1882. 

Losses and claims not yet due, .... 
Adjusted losses and claims due and unpaid, . 
Due from councils, etc., 



. . . $16,500 00 
3,000 00 
1,733 82 

$21,233 82 

Losses and Claims paid during the Year. 

Whole number of deaths, 230 

Whole amount paid the beneficiaries, .... $679,500 00 

Number of deaths in Massachusetts, 51 

Amount paid the beneficiaries, $151,500 00 



Exhibit of Membership. 

Total present membership, 

Whole number of certificates in force, 

Gross amount of benefits represented therein, 

Total present membership in Massachusetts, 

Number of certificates in force, 

Gross amount of benefits represented therein, 



40,390 

40,390 

$119,833,500 00 

6,497 

6,497 

119,279,500 00 



SUPREME COUNCIL OF THE UNITED FELLOWSHIP, 

[Incorporated Jan 31, 1881. Commenced business Oct. 4, 1880.] 

Henry Damon, Sup. Director. F. W. Seavet, Sup. 

Office, 26 Union Park St. 



Income during 1882 

For benefit certificates, etc., 
annual dues, 
assessments, 
supplies sold, 



Total income, 
Balance on hand Dec. 31, 1881, 

Total, .... 



Disbursements during 1882. 
Cash paid for losses and claims (4 deaths), $770 50 

for compensation to agents, 
for salaries of officers and em- 
ployes, .... 
for advertising, supplies sold, 

etc., 

Total disbursements, .... 

Balance, 



BOSTON. 

Secretary. 



$428 50 
528 50 
846 50 
793 62 

$2,597 12 
20 30 

$2,617 42 



416 50 




672 00 




662 01 






2,521 01 





41 



1882.] 



BENEFICIAEY ASSOCIATIONS. 



197 



Assets Dec. 31, 1882. 



Cash in principal office, 
Per capita tax due and unpaid, 
Assessments due and unpaid, 
Assessments not yet due, . 
Due for supplies sold, 
Stock on hand, . 
Total assets, 



Liabilities 



Adjusted losses unpaid, 

Due for salaries, . 

medical inspections, 
borrowed money, . 
printing and supplies, 
Total liabilities, . 



$414 00 
264 00 
627 41 
631 00 
300 00 



$340 00 


580 00 


92 00 


477 33 


298 70 



41 



$2,236 41 



$1,788 03 



Losses and Claims paid during the Year. 

Whole number of deaths, 4 

Whole amount paid the beneficiaries, .... $770 50 

Number of deaths in Massachusetts, .... 2 

Amount paid the beneficiaries, $499 00 

Exhibit of Membership. 

Total present membership, 581 

Gross amount of benefits represented therein, . . . $199,801 24 

Total present membership in Massachusetts, . . . 346 

Number of certificates in force, 346 

Gross amount of benefits represented therein, . . . $118,957 06 



SUBORDINATE HIGH COURT ANCIENT ORDER OF 

FORESTERS. 

[Commenced business, Oct. 1, 1876.] 

Mark Stone, President. E. M. McMurthy, Secretary. 

Office, 176 Tremont Street. 

Income during 1882. 

For membership fees and dues, $1,323 55 

assessments, 15,681 14 

Total income, $17,004 69 

Balance on hand Dec. 31, 1882, 977 83 

Total, $17,982 52 



198 



MUTUAL AID AND OTHER [Dec. 31, 



Disbursements during 1882. 



Cash paid for losses and claims (17 deaths) , 
for salaries of officers and em- 
ployes, 

for printing, postage, etc., . 
Total disbursements, .... 

Balance, 



$16,500 00 

675 00 

597 59 



$17,772 59 
$209 93 



Assets Dec. 31, 1882. 

Cash deposited in bank, 

Assessments due and unpaid, . . . $100 00 

not yet due, .... 1,500 00 

Total, $1,600 00 



$209 93 



Losses and Claims paid during the Year. 

Whole number of deaths, 17 

Whole amount paid the beneficiaries, .... $16,500 00 

Number of deaths in Massachusetts, 1 

Amount paid the beneficiaries, $1,000 00 



Exhibit of Membership. 
Total present membership, 
Whole number of certificates in force, 
Gross amount of benefits represented therein, 
Total present membership in Massachusetts, 
Number of certificates in force, 
Gross amount of benefits represented therein, 



1,966 

1,966 

$1,822,500 00 

211 

211 

$203,000 00 



1882.] 



BENEFICIARY ASSOCIATIONS. 



199 



ALL OTHER BENEFICIARY ASSOCIATIONS. 



BAY STATE BENEFICIARY ASSOCIATION, WESTFIELD. 

[Incorporated June 2, 1881. Commenced business June 2, 1881.] 

John R. Reed, President, S. C. Gaylord, Secretary. 



Income during 1882. 



For membership fees, 
annual dues, 
assessments, 



Total income, . . 

Disbursements during 1882. 
Cash paid for losses and claims (4 deaths), $20,000 00 
to agents, . ' . . . . 10,507 46 
travelling expenses of agents, . 593 64 
medical examiner's fees, . . 514 00 
for salaries of officers and em- 
ployes, 2,500 00 

for furniture and fixtures, . . 66 97 

for all other items, . . . 1,067 15 

Total disbursements, .... 



$15,403 75 

1,437 50 

21,040 95 

$37,882 20 



Balance, 



35,249 22 
$2,632 98 



Assets Dec. 31, 1882. 

Cash deposited in bank, $2,632 98 

Losses and Claims paid during the Year. 

Whole number of deaths, 4 

Whole amount paid the beneficiaries, . . . $20,000 00 

Number of deaths in Massachusetts, 4 

Amount paid the beneficiaries, $20,000 00 



Exhibit op Membership. 

Total present membership, . . . . 

Whole number of certificates in force, 

Gross amount of benefits represented therein, . 

Total present membership in Massachusetts, . 

Number of certificates in force, 

Gross amount of benefits represented therein, . 



2,384 
2,384 

$7,867,000 00 
2,316 
2,316 

$7,650,000 00 



200 MUTUAL AID AXD OTHER [Dec. 31, 

BAY STATE FRATERNITY, BOSTON. 

[Incorporated June 29, 1SS2. Commenced business June 29, 1882.] 

Charles H. Cobb, President. James H. Busby, Secretary. 

Income for Six Months ending- Jan. 23, 1S83. 

For dues, 817 10 

assessments, 126 25 

all other sources, 85 06 



Total income, 8228 41 

Disbursements for Six Months ending Jan. 23, 1883. 
Cash paid for losses and claims (1 death). $126 25 

for salaries of officers and em- 
ployes, .... 10 00 

for all other items, ... 7-4 81 
Total disbursements, .... 211 06 



Balance, 817 35 

Assets Jan. 23, 1883. 

Cash in principal office, 817 35 

Liabilities Jan. 23, 1883. 

Printing, $95 80 

Losses and Claims paid during the Year. 

Number of deaths in Massachusetts, .... 1 

Amount paid the beneficiaries, ...... 8126 25 

Exhibit of Membership. 

Total present membership in Massachusetts, . . . 144 

Number of certificates in force, 255 

Gross amount of benefits represented therein, . . . §190,000 00 



BOSTON FIREMEN'S MUTUAL RELIEF ASSOCIATION, BOSTON. 

[Incorporated Feb. IS, 1882.] 

John S. Damrell, President. Wh. A. Green, Secretary. 

Income during 18S2. 
For assessments, . 88,054 00 



1882.] BENEFICIARY ASSOCIATIONS. 



201 



Disbursements during 1882. 
Cash paid for losses and claims (7 deaths), $6,914 00 
Balance, 



Assets Dec. 31, 1882. 



Cash in principal office, 



Exhibit of Membership. 
Total present membership, 



81,U0 00 
81,140 00 



Losses and Claims paid during the Year. 

Number of deaths in Massachusetts, .... 7 

Amount paid the beneficiaries, 86,914 00 



570 



BOSTON POLICE RELIEF ASSOCIATION, BOSTON. 

[Incorporated, 1876. Commenced business Jan. 13, 1371.] 

George F. Goold, President. George A. Walker, Secretary. 

Office, Charity Building, Chardon Street. 



In 



For membership fees, 
annual dues, 
annual ball, 
interest, 

Total income, 
Balance on hand Dec. 31, 1881, 



COME DURING 1882. 



Total, . 



Disbursements during 1882. 



Cash paid for losses and claims (12 deaths) , 
for salary of clerk and treasurer, 
premium on bonds purchased, 

Loss on Mercantile Bank stock, 

Cash stolen, 

Incidentals, 

Total disbursements, . 



Balance, 



86,362 00 
300 00 
708 33 
318 80 
104 00 
142 71 



Assets Dec. 31, 1882. 
Cash in principal office, .... 85,743 56 

bonds, 22,500 00 

mortgages, 15,500 00 

Total amount of cash items, . . 



8620 00 
2,021 00 
7,726 10 
2,109 18 

$12,476 28 
39,203 12 

$51,679 40 



7,935 84 
843,743 56 



§43,743 56 



202 MUTUAL AID AND OTHER [Dec. 31, 

Losses and Claims paid during the Year. 

Whole number of deaths, 12 

Whole amount paid the beneficiaries, . . . . $6,362 00 

Exhibit of Membership. 
Total present membership, 508 

For the year ending Dec. 31, 1882, the benefits were for members, 
$500 each ; for members wives, $100 each on death ; by amendment to 
by-laws, Jan. 1, 1883, they will be for the present year $1,000 on death 
of members ; wives, no change. 

The Boston Police Relief Association has met with a most 
unfortunate loss during the year ending Dec. 31, 1882, by 
the defalcation by its late treasurer of a large amount in 
bonds and cash. The statement made above of the associa- 
tion's assets Dec. 31, 1882, is as they should have appeared. 
Below is a corrected statement, showing the amount stolen 
and the amount of assets as they stood Dec. 31, 1882. 
Total amount of assets as should have been shown, had 
there been no defalcation : — 

Bonds, . . . . . . . $22,500 00 

Mortgages, 15,500 00 

Cash, 5,743 56 

Total, ... . ,. . . . $43,743 56 

Amount of Defalcation. 

Cash, $5,743 56 

Bonds, 15,000 00 



20,743 56 



Total amount of assets Dec. 31, 1882, . . . $23,000 00 

The defalcation continued up to March 1, 1883, before it 
was discovered. Following is a statement up to that time : 

Amount of actual assets Jan. 1, 1883, .... $23,000 00 

Proceeds of the annual police ball, 9,830 25 

Dues of members to July 1, 1883, ..... 1,104 00 

Fees of new members, 560 00 

Interest, 107 50 

Total, $34,601 75 

Amount of defalcation from Jan. 1, 1883 to March 1, 1883 : — 
Cash, 9,361 00 

Total, $25,240 75 



1882.] BENEFICIARY ASSOCIATIONS. 203 

Total amount paid for sick and death benefits from Jan. 

1, to March 1, 1883: — 
Sick benefits, $1,035 00 



Total fund March 1, 1883, $24,205 75 

Total amount of defalcation to March 1, 1883, $30,104.56 



CAMBEIDGE BENEVOLENT ASSOCIATION, CAMBRIDGE. 

[Incorporated Jan. 22, 1881. Commenced business Jan. 22, 1881.] 

Edmund Miles, President. Geokge Allen, Secretary. 

Income during 1882. 

For interest, $6 26 

Balance on hand Dec. 31, 1881, . 200 58 



Total, . . . . . . . . . . $206 84 

Disbursements during 1882. 
Cash paid for salaries of officers and em- 
ployes, • $17 35 

Cash paid for rent, printing, etc., . . 9 50 

Total disbursements, .... 26 85 



Balance, $179 99 

Assets Dec. 31, 1882. 
Cash in principal office, .... $0 60 

deposited in bank, .... 179 39 

Total amount of cash items, . . $179 99 

Interest due and accrued, .... $2 50 

Exhibit of Membership. 

Total present membership, 135 

Whole number of certificates in force, .... 135 



CHELSEA MUTUAL BENEFIT ASSOCIATION, CHELSEA. 

[Incorporated Jan. 11, 1878. Commenced business Oct. 6, 1877.] 

Samuel P. Tenney, President. William H. Hart, Secretary. 

Office, 329 Broadway. 

Income for the Year ending Feb. 28, 1883. 

For membership fees, . $1,070 00 

assessments, 1,952 00 

interest, etc., 28 12 

Total income, $3,050 12 

Balance on hand Feb. 28, 1882, . . . . . 625 60 

Total, $3,675 72 



204 MUTUAL AID AND OTHER [Dec. 31, 

Disbursements for the Year ending Feb. 28, 1883. 

Cash paid for losses and claims (4 deaths), $2,819 00 

for compensation to agents, . 214 00 

for furniture and fixtures, . 50 00 

refunded to members, . . . 147 00 

paid for all other items, ... 82 50 

Total disbursements, .... $3,312 50 



Balance, $363 22 

Assets Feb. 28. 1883. 

Cash deposited in bank, $363 22 

Assessments not yet due, .... $830 00 

Losses and Claims paid during the Year. 
Whole number of deaths, .-....., 4 

Whole amount paid the beneficiaries, .... $2,819 00 

Exhibit of Membership. 

Total present membership, 909 

Whole number of certificates in force, .... 909 

Gross amount of benefits represented therein, . . $826,281 00 



CLERICAL ASSOCIATES, BOSTON. 

[Incorporated May 9, 1881. Commenced business May 9, 1881.] 

Joseph H. Mansfield, President. Alfred A. Wright, Secretary. 

Office, 38 Bromfield St. 

Income for the Year ending April 30, 1883. 

For membership fees, $76 69 

advertisements, subscriptions, etc., .... 19 91 

Total income, . $96 60 

Balance on hand May 1, 1883 2 90 

Total, $99 50 

Disbursements for the Year ending April 30, 1883. 
Cash paid for medical examiner's fees, . $8 10 
for advertising, printing, etc., . 67 01 
Total disbursements, .... 75 11 

Balance, $24 39 

Assets, April 30, 1883. 
Cash in principal office, $24 39 



1882.] 



BENEFICIARY ASSOCIATIONS. 



205 



Exhibit of Membership. 

Total present membership, .... 
Whole number of certificates in force, . . N 
Gross amount of benefits represented therein, 
Total present membership in Massachusetts, . 
Number of certificates in force, 
Gross amount of benefits represented therein, . 



85 
85 

$72,500 00 
26 
26 

$22,100 00 



EASTERN ASSOCIATES, BOSTON. 

[Incorporated June 19, 1882. Commenced business Aug. 14, 1882.] 

John A. Cummings, President. H. A. Shorey, Secretary. 

Office, 31 Milk Street. 



Income for the Year ending April 1, 1883. 

Cash received for dues, .... 
for capital, .... 
for assessment on capital, . 
for medical examinations, . 
from all other sources, 



Total income, 



$375 00 

1,000 00 

1,000 00 

400 00 

125 00 

$2,900 00 



Disbursements for the Year ending April 1, 1883 

Cash paid for travelling expenses to agents, 
for medical examiner's fees, 
for salaries of officers and em- 
ployes, .... 
for furniture and fixtures, . 
for advertising, rent, etc., . 
Total disbursements, .... 2,755 04 



$142 


19 


460 75 


1,387 


00 


193 


50 


571 


60 



Balance, 



$144 96 



Assets April 1, 1883. 



Cash in principal office, 
deposited in bank, 
Total amount of cash items, 
Furniture and fixtures, 



$19 96 
125 00 

$193 50 



$144 96 



206 



MUTUAL AND OTHER AID [Dec. 31 



EQUITABLE MUTUAL RELIEF SOCIETY OF MASSACHUSETTS, 

BOSTON. 

[Incorporated Feb. 21, 1881. Commenced business Feb. 21, 1881.] 

Oren S. Knapp, President. Charles S. Robertson, Secretary. 

Office, 131 Devonshire Street. 



Income from April 15, 1882, to March 31, 1883. 

For membership fees, $1,812 00 

dues, 



From rent, examinations, etc., . 

Total income, 
Balance on hand April 15, 1882, 

Total, 



732 09 

162 09 



1,706 18 
110 95 



$2,817 13 



Disbursements from Apr. 15, 1882, to Mar 31, 1883. 



Cash paid for commissions to agents, 
for medical examiner's fees, 
for salaries of officers and em 

ployes, 
for furniture, fixtures, etc., 
for advertising, . 
for rent, postage, etc., 
Total disbursements, . 



Balance, 



,718 39 
144 75 

219 50 

76 00 

118 45 

422 65 



2,699 74 
$117 39 



Assets March 31, 1883. 



Cash in principal office, 
deposited in bank, 

Total amount of cash items 
Reserve fund, 
Deposited Pacific National Bank, 

Total, .... 
Agents 1 balances, 
Office furniture, etc., . 

Total, . 



$64 77 
52 62 



$2 


13 


16 


00 


$332 39 


212 


00 



$117 39 
$18 13 

$544 39 



Exhibit of Membership. 

Totol present membership, 

Whole number certificates in force, . 

Gross amount of benefits represented therein, 

Total present membership in Massachusetts, 

Number of certificates in force, 

Gross amount of benefits represented therein, 



559 
563 

$2,153,500 00 
378 
382 

$1,113,000 00 



1882.] BENEFICIARY ASSOCIATIONS. 207 

FRANKLIN MUTUAL BENEFIT ASSOCIATION, SALEM. 

[Incorporated Sept. 23, 1882. Commenced business Oct. 4, 1876.] 

Benjamin M. Perkins, President. Thomas J. Hutchinson, Secretary. 

Income for tear ending Sept. 30, 1882. 

For membership fees, $134 00 

assessments, 979 00 

interest, 3 62 

Total income, . . . . . . . $1,116 62 

Balance on hand Sept. 30, 1881, . . . . . 293 56 

Total, $1,410 18 

Disbursements for Year ending Sept. 30, 1882. 

Cash paid for losses and claims (3 deaths) , $966 00 
for salaries of officers and em- 
ployes, .... 85 47 
for rent, printing, postage, 

etc., 85 68 

Total disbursements, . . . 1,137 15 

Balance, $273 03 

Assets Sept. 30, 1882. 

Cash in principal office, . . . . $88 30 
deposited in bank, .... 184 73 
Total amount of cash items, . . $273 03 

Losses and Claims paid during the Year. 

Whole number of deaths, 3 

Whole amount paid the beneficiaries, .... $966 00 

Exhibit of Membership. 

Total present membership, 306 

Whole number of certificates in force, . . . 306 

Gross amount of benefits represented therein, . . . $ 93,636 00 
Does business in Massachusetts only. 



208 MUTUAL AID AND OTHER [Dec. 31, 

FRATERNAL AID ASSOCIATION, WORCESTER. 

[Incorporated April 5, 1881. Commenced business April 5, 1881.] 

Clark Jillson, President. E. H. Stearns, Seretary. 

Income for Year ending April 13, 1883. 

For membership fees, $1,180 25 

dues, 71 10 

assessments, ....... . 931 96 

Total income, . . $2,183 31 

Balance on hand Dec. 6, 1881, . . . . . • 46 48 

Total, . $2,229 79 

Disbursements for Year ending April 13, 1883. 

Cash paid for losses and claims (4 deaths,) $478 47 

for compensation to agents, . 885 19 
for travelling expenses to 

agents, .... 26 25 
for salaries of officers and 

employes, .... 180 75 

for advertising, rent, etc., . 205 64 

Total disbursements, . . . . 1,776 30 

Balance, . . . ...... $453 49 

Assets April 13, 1883. 
Cash deposited in bank, $453 49 

Liabilities April 13, 1883. 
Adjusted losses and claims due and unpaid, . . . $453 49- 

Losses and Claims paid during the Year. 

Whole number of deaths, 4 

Whole amount paid the beneficiaries, .... $478 47 

Exhibit of Membership. 

Total present membership, 450 

Whole number of certificates in force, ..... 425 

Gross amount of benefits represented therein, . . . $820,000 00 



1882.] BENEFICIAEY ASSOCIATIONS. 209 

GLENMERE MUTUAL BENEFIT ASSOCIATION, LYNN 

[Incorporated Aug. 10, 1882. Commenced business April 21, 1873.] 

James W. Hilliker, President. William R. Melden, Secretary. 

Income during 1882. 

For membership fees, $59 00 

assessments, ........ 11,852 35 

interest, 26 22 



Total income, $11,937 57 

Balance on hand Jan. 3, 1882, 869 59 



Total, $12,807 16 

Disbursements during 1882. 



Cash paid for losses and claims (12 deaths) , 


$10,250 00 




for salaries of officers and 






employes, .... 


643 89 




for printing, postage, etc., 


278 52 




rent and charter, . 


31 00 




Total flislinrspropnts? 




11,203 41 


X V til I V-UjUIU OCIJICIILO^ .... 





Balance, . . $1,603 75 

Assets Jan. 3, 1883. 
Cash deposited in banks, $1,603 75 

Losses and Claims paid during the Year. 

Whole number of deaths, 12 

Whole amount paid beneficiaries, .... $10,250 00 

Exhibit of Membership. 

Total present membership, 909 

Whole number of certificates in force, . . . 909 

Does business only in Massachusetts. 



210 



MUTUAL AID AND OTHER [Dec. 31, 



HIGHLAND MUTUAL AID SOCIETY, BOSTON. 

[Incorporated July 17, 1882. Commenced business April 1, 1874.] 

James T. Matthews, President. Wm. Henry Clark, Secretary. 

Office, 827 Shaivmut Avenue. 



Income for Year ending March 31, 1883. 

For membership fees, 
assessments, 
interest, 

Total income, 
Balance on hand April 1, 1882, 

Total, .... 

Disbursements for Year ending March 31, 1883. 

Cash paid for losses and claims, 

for medical examiner's fees, 
for printing, stationery, etc., 
Total disbursements, . 

Balance, 

Assets March 31, 1883. 
Casli in principal office, .... $28 12 
deposited in bank, .... 500 00 
Total amount of cash items, . . — 

Exhibit of Membership. 

Total present membership, 

Whole number of certificates in force, .... 

Consists of employes of the Highland Street Railway Co. 



$195 00 

707 85 
23 50 

$926 35 
798 39 

1,724 74 



$1,050 00 




9 00 




137 62 






1,196 62 






$528 12 



$528 12 



161 
161 



HOME MUTUAL AID ASSOCIATION, BOSTON. 

[Incorporated April 30, 1880. Commenced business May 17, 1880.] 

Charles W. Sherburne, President. Horatio G. Nutter, Secretary. 
Office, 18 Post Office Square. 



For membership fees, .... 


$7,622 23 


dues, ....... 


2,760 53 


assessments, 


40,236 23 


interest, 


160 00 


Total income, 


$50,778 99 


Balance on hand Dec. 31, 1881, . 


5,636 50 


Total, . . . . 


$56,415 49 



1882.] 



BENEFICIARY ASSOCIATIONS. 



211 



4,027 90 



Disbursements during 1882. 

Cash paid for losses and claims (14 deaths) , $39,240 09 
for compensation to agents, . 
for salaries of officers and em- 
ployes, .... 
for furniture and fixtures, . 
for advertising, .... 
for printing, postage, rent, etc., . 
Total disbursements, .... 



2,798 36 




414 11 




734 13 




1,663 09 






$48,877 68 





Balance, 



Assets Dec. 31, 1882. 



Cash in principal office, 

deposited in banks, . 
Total amount of cash items, 
Agents' balances, 

Total, 

Assessments not yet due, . 



^1,065 73 
5,916 28 



$14,141 00 



Liabilities Dec. 31, 1882. 
Losses and claims not yet due, ...... 

Losses and Claims paid during the Year. 

Whole number of deaths, 

Whole amount paid the beneficiaries, .... 
Number of deaths in Massachusetts, .... 
Amount paid the beneficiaries, 

Exhibit of Membership. 

Total present membership, 

Whole number of certificates in 'force, 

Gross amount of benefits represented therein, 

Total present membership in Massachusetts, 

Number of certificates in force, 

Gross amount of benefits, represented therein, 



',537 81 



1,982 01 
555 80 



',537 81 



5,000 00 



14 

|39,240 09 

14 

$39,240 09 



2,039 
2,039 

(,038,000 00 
1,820 
1,820 

1,085,000 00 



KINSLEY MUTUAL INSURANCE SOCIETY, CANTON. 

[Commenced business May, 1869.] 

Joseph Capper, President. W. H. Bense, Secretary. 

Income during 1882. 
For assessments, $752 50 



interest, . 

Total income, 
Balance on hand Dec. 31, 1881, 

Total, 



4 56 



$757 06 
474 66 

1,231 72 



212 



MUTUAL AID AND OTHER [Dec. 31, 



Disbursements during 1882. 

Cash paid for losses and claims, . . $212 50 

for salaries to agents, . . 75 00 

for printing, .... 15 55 

for dividends, . . . . 504 64 

for all other items, ... 75 
Total disbursements, . 

Balance, . . . . 

Assets Dec. 31, 1882. 

Cash in principal office, .... $323 28 

deposited in banks, . . . 100 00 

Total amount of cash items, . 

Total present membership, 



44 



$423 28 
91 



LYNN MUTUAL BENEFIT ASSOCIATION, LYNN. 

[Organized Nov. 8, 1869. Commenced business Nov. 8, 1869.] 

George T. Newhall, President. Charles E. Chase, Secretary. 



Income during 1882. 



For membership fees, 

assessments, . . . 
interest, . 

Total income, 
Balance on hand Dec. 31, 1882, . 

Total, 



Disbursements during 1882. 

Cash paid for losses and claims (9 deaths), $13,423 00 
for salaries of officers and em- 
ployes, . . . . ^ 679 36 
for rent, postage, etc., . . 279 70 
Total disbursements, .... 



Balance, 



Assets Dec. 31, 1882. 



Cash deposited in bank, . . ... 

Safe and desk, . 

Losses and Claims paid during the Year. 

Whole number of deaths, 

Whole amount paid the beneficiaries, .... 
Number of deaths in Massachusetts, 
Amount paid the beneficiaries, . 



$70 40 

12,585 10 

40 52 

$12,696 02 
2,753 55 



,449 57 



14,382 06 
$1,067 51 



1,067 51 

25 00 



$13,423 00 
8 

$13,428 00 



1882.] 



BENEFICIARY ASSOCIATIONS. 



213 



Exhibit of Membership. 

Total present membership, .... 

Whole number of certificates in force, 

Gross amount of benefits represented therein, . 

Total present membership in Massachusetts, . 

Number of certificates in force, 

Gross amount of benefits represented therein, . 



954 

954 

$910,116 00 

915 

915 

$372,910 00 



MALDEN MUTUAL BENEFIT ASSOCIATION, MALDEN. 

[Incorporated Dec. 17, 1880. Commenced business Dec. 17, 1880.] 

James Pierce, President. W. A. Carey, Jr., Secretary 



Income during 1882. 

For membership fees, 

assessments, 

reinstatements and dividends, . 

Total income, 

Balance on hand Dec. 31, 1881, .... 

Total, 



$54 00 


3,512 


30 


434 


03 


$4,000 


33 


2,468 


54 



5,468 87 



Disbursements during 1882. 



Cash paid for losses and claims (5 deaths) , 
for salaries to agents, 
for all other items, 
Total disbursements, . 

Balance, .... 



5,917 00 
293 76 
419 10 



4,629 86 
51,839 01 



Assets Dec. 31, 1882. 

Cash in principal office, .... 
deposited in banks, .... 
Total amount of cash items, 



$10 55 
1,828 46 



,839 01 



Liabilities Dec. 31, 1882. 
Due for salaries of officers and employes, 



$20 83 



Losses and Claims paid during the Year. 

Whole number of deaths, . 5 

Whole amount paid the beneficiaries, .... $3,917 00 

Number of deaths in Massachusetts, ...... 4 

Amount paid the beneficiaries, ' $3,243 00 



214 MUTUAL AID AND OTHER [Dec. 31, 



Exhibit of Membership. 

Total present membership, . . 
Whole number of certificates in force, 
Gross amount of benefits represented therein, 
Total present membership in Massachusetts, 
Number of certificates in force, 
Gross amount of benefits represented therein, 



682 
682 

1465,124 00 
660 
660 

$450,120 00 



MASSACHUSETTS BENEFIT ASSOCIATION, BOSTON. 

[Incorporated Feb. 8, 1878. Commenced business Oct. 13, 1879 ] 

William A. Simmons, President. George A. Litchfield, Secretary. 

Office, Tremonl Temple. 

Income during 1882. 

For membership fees, $29,317 30 

for dues, ...... . . 19,183 00 

assessments, 168,742 01 

From all other sources, 342 87 



Total income, $217,585 18 

Balance on hand Dec. 31, 1881, 17,672 46 



Total, . . ... . . . . . $235,257 64 

Disbursements during 1882. 
Cash paid for losses and claims (40 deaths), $148,000 00 
for compensation to agents, 
for medical examiner's fees, 
for salaries of officers and em- 
ployes, 

for furniture, fixtures and safe, . 
for advertising, .... 
for printing and stationery, 
for postage, rent, etc , 
Total disbursements, .... 

Balance, 

Assets Dec. 31, 1882. 
Cash deposited in bank, . . . . . . . $37,559 67 

Agents' balances, $1,647 30 

Liabilities Dec. 31, 1882. 
Amount of all adjusted losses and claims not yet due, . $15,000 00 



30,810 70 




3,055 50 




9,074 62 




100 00 




771 14 




1,634 63 




2,604 08 







196,050 67 


, % 


$39,206 97 



1882.] 



BENEFICIARY ASSOCIATIONS. 



215 



Losses and Claims paid during the Year. 

Whole number of deaths, 40 

Whole amount paid the beneficiaries, .... $148,000 00 

Number of deaths in Massachusetts, .... 30 

Amount paid the beneficiaries, $107,000 00 



Exhibit of Membership. 

Total present membership, .... 
Whole number of certificates in force, 
Gross amount of benefits represented therein, 
Total present membership in Massachusetts, . 
Number of certificates in force, 
Gross amount of benefits represented therein, 



7,381 
7,381 

$27,985,000 00 
6,014 
6,014 

$22,517,000 00 



MASSACHUSETTS LIFE ASSOCIATION, BOSTON. 

[Incorporated June 22, 1881. Commenced business July 2, 1881.] 

B. S. Price, President. T. Harlan Breed, Secretary. 

Office, 209 Washington Street. 

[Note. — Up to Jan. 1, 1883, all risks of this Association were re- 
insured in other associations.] 

Income from July 2, 1881 to May 1, 1883. 

For membership fees, $1,946 00 

annual dues, 1,467 00 

From incorporators, 2,028 26 

For medical examinations, 548 00 

Total income, $5,989 26 



Disbursements from July 2, 1881, to May 1, 1883. 
Cash paid for compensation to agents, 
for medical examiner's fees, 
for salaries of officers and em 

ployes, .... 
for furniture, fixtures and safe, 
for advertising, etc., . 
Total disbursements, . 



Assets May 1, 1883 



$1,407 


98 


548 00 


2,109 


81 


171 


80 


1,722 73 


1883. 


• 


$28 


94 


1,842 


00 



5,960 32 



Balance, 

Cash in principal office, 
Notes receivable, 
Total, . 

Liabilities May 1, 1883. 
Amount due for salaries of officers and 

employes, $226 20 

Amount due for sundry accounts, . . 148 90 

Total, , , , , , , , „______ 



$28 94 



,870 94 



$375 10 



216 



MUTUAL AID AND OTHER [Dec. 31, 



Losses and Claims paid during the Year. 

Whole number of deaths, 1 

Whole amount paid the beneficiaries, .... $5,000 00 

Number of deaths in Massachusetts, .... 1 

Amount paid the beneficiaries, $5,000 00 



Exhibit of Membership. 

Total present membership, 

Whole number of certificates in force, 

Gross amount of benefits represented therein, 

Total present membership in Massachusetts, 

Number of certificates in force, 

Gross amount of benefits represented therein, 



230 
230 

$1,077,000 00 
217 
217 

$1,032,000 00 



MASSACHUSETTS MUTUAL AID SOCIETY, FITCHBURG. 

[Incorporated Feb. 17, 1879. Commenced business Feb. 17, 1879.] 

Henry A. Willis, President. Festus C. Currier, Secretary. 



Income for the Year ending March 31, 1883. 
For membership fees, 
assessments, 
interest, . . . 

Total income, 
Balance on hand March 31, 1882, 



Total, 



$2,829 50 

27,232 00 

17 70 

$30,079 20 
2,311 79 

$32,390 99 



Disbursements for the Year ending March 31, 1883. 

Cash paid for losses and claims (15 deaths), $26,576 00 
for compensation to agents, 
for travelling expenses to agents, 
for medical examiner's fees, 
for salaries of officers and em- 
ployes, 

for advertising, postage, etc., . 
Total disbursements, .... 



1,360 


50 


210 


75 


494 00 


560 


19 


365 


73 



Balance, 

Assets March 31, 1883. 
. Cash deposited in banks, 

Losses and Claims paid during the Year. 

Whole number of deaths, 

Whole amount paid the beneficiaries, . 

Number of deaths in Massachusetts, .... 

Amount paid the beneficiaries, ...... 



29,567 17 

$2,823 82 



$2,823 82 



15 
$26,576 00 

12 
$22,132 00 



1882.] 



BENEFICIARY ASSOCIATIONS. 



217 



Exhibit of Membership. 

Total present membership, .... 
Whole number of certificates in force, 
Gross amount of benefits represented therein, 
Total present membership in Massachusetts, . 
Number of certificates in force, 
Gross amount of benefits represented therein, 



2,150 
2,150 

',622,591 00 
1,671 
1,671 

:,378,938 00 



MASSACHUSETTS SAFETY FUND ASSOCIATION, BOSTON. 

[Incorporated July 30, 1880. Reorganized Dec. 19, 1881.] 

R. G. F. Candage, President. E. E. Burdon, Secretary 

Office, 31 Milk Street 



Income during 1882. 



For membership fees, 
annual dues, 
assessments, 
safety fund deposit, 
advanced capital, 

Total income, 



Disbursements during 1882. 
Cash paid for losses and claims (1 death), $419 65 

for salaries to agents, 
for other compensation to agents, 
for travelling expenses to agents, 
for medical examiner, 
for salaries of officers and 
employes, .... 
printing, stationery and postage, 
all other items, .... 
Total disbursements, .... 

Balance, 

Assets Dec. 31, 1882 
Cash deposited in bank, 

Liabilities Dec. 31, 1882. 
Amount due for borrowed money, . 

Losses and Claims paid during the Year. 

Whole number of deaths, 

Whole amount paid the beneficiaries, .... 

Exhibit of Membership. 
Whole number of certificates in force, . . 
Gross amount of benefits represented therein, . . . $ 



$7,164 


00 


3,109 


32 


453 06 


1,590 58 


249 


20 


$12,566 


16 



5,164 00 




2,000 00 




441 26 




100 00 




1,776 67 




545 75 




494 84 






10,942 17 






$1,623 99 


• 


$1,623 99 


2. 


$249 20 



$419 65 



2,423 
>,423,000 00 



218 



MUTUAL AID AND OTHER [Dec. 31, 
/ 



MECHANICS 1 MUTUAL AID SOCIETY, BOSTON. 

[Incorporated Feb. 18, 1846. Commenced business Dec, 1841.] 

T. C. Dunn, President. John S. Welch, Secretary. 

Office, Sherman House. 



Income during 1882. 



For membership fees, 
annual dues, 



Total income, 
Balance on hand Dec. 31, 1881, 

Total, 



$42 00 
371 50 

$413 50 
2,223 69 

$2,637 19 



Disbursements during 1882. 

$201 41 



Cash paid for losses and claims, 

for salaries of secretary and 

treasurer, . 
for rent, stationery, etc., . 
Total disbursements, . 

Balance, 



30 00 




26 25 






257 66 





$2,379 53 



Assets Dec. 31, 1882. 



Cash in principal office, 

deposited in banks, . 
Total amount of cash items, 
Balance (excess) unaccounted for, 
Interest due and accrued, . 



$113 59 
2,402 93 

$136 99 
179 24 



$2,516 52 



Losses and Claims paid during the Year. 

Whole number of deaths, 

Whole amount paid the beneficiaries, .... 



None. 
41 



Exhibit of Membership. 

Toial present membership, .... 
Does business only in Massachusetts. 



85 



1882.] 



BENEFICIARY ASSOCIATIONS. 



219 



MERCANTILE MUTUAL ACCIDENT ASSOCIATION, BOSTON. 

[Incorporated Jan. 4, 1881. Commenced business Jan. 24, 1881.] 

Charles W. Sherburn, President. Horatio G. Nutter, Secretary. 
Office, 18 Post Office Square. 



Income during 1882. 



For membership fees, 
annual dues, 
assessments, 

Total income, 
Balance on hand Dec. 31, 1881, 

Total, .... 



$400 00 

176 50 

1,526 00 

12,102 50 
542 95 

12,645 45 



Disbursements during 1882. 

Cash paid for losses and claims, . . $1,552 14 
for compensation to agents, . 211 35 
for medical examiner's fees, . 22 65 
for salaries of officers and em- 
ployes, 315 10 

for furniture, etc., ... 9 50 

for rent, printing, postage, etc., 282 57 

Total disbursements, .... 

Balance, . 



2,393 31 



$252 14 



Assets Dec. 31, 1882. 



Cash in principal office, 
deposited in bank, 
Total amount of cash items, 



$45 19 
206 95 



$252 14 



Losses and Claims paid during the Year. 

Whole number of deaths, None. 

Whole amount paid the beneficiaries, .... $1,552 14 

Number of deaths in Massachusetts, .... None. 

Amount paid the beneficiaries, $1,518 82 



Exhibit of Membership. 

Total present membership, 

Whole number of certificates in force, 

Gross amount of death benefits represented therein, 

Total present membership in Massachusetts, . 

Number of certificates in force, 

Gross amount of death benefits represented therein, 



444 
444 

$1,940,000 00 
407 
407 

$1,765,000 00 



220 MUTUAL AID AND OTHER [Dec. 31 



MERCHANT'S AND SALESMAN'S BENEFIT ASSOCIATION, 

BOSTON. 

Charles W. Baldwin, President. Henry A. Bates, Secretary, 

Office, 28 Temple Pluce. 



METHODIST MINISTERS' RELIEF ASSOCIATION, BOSTON. 

[Incorporated May 1, 1878. Commenced business June 5, 1S81.] 

A. A. Wright, President. J. H. Mansfield, Secretary. 

Office, 38 Bromfield Street. 

Income for Year ending Feb. 11, 1883. 

For membership fees, 

assessments, 

interest, 



1262 


58 


5,027 


30 


42 


92 


$5,332 80 


3,296 


33 



Total income, 

Balance on hand March 22, 1882, 

Total, ... .... $8,629 13 

Disbursements for Year ending Feb. 28, 1883. 

Cash paid for losses and claims (3 deaths), $6,627 28 
for salaries of officers and em- 
ployes, . . . . 342 20 
Total disbursements, .... 6,969 48 



Balance, ... . ... $1,659 65 

Assets Feb. 28, 1883. 
Cash deposits in banks, . . . . . . $1,659 65 

Office furniture, ..... $150 00 

Liabilities Feb. 28, 1883. 

Amount due for salaries of officers and 

employes, . . . $275 00 

for office expenses, . . 1 06 38 

Total liabilities, .... $381 38 

Losses and Claims paid during the Year. 

Whole number of deaths, 3 

Whole amount paid the beneficiaries, .... $6,627 28 

Exhibit of Membership. 

Total present membership, 1,068 

Whole number of certificates in force, .... 1,068 

Gross amounts of benefits represented therein, . $1,068,000 00 
Located in various States. 



1882.] 



BENEFICIARY ASSOCIATIONS. 



221 



MIDDLESEX AND WORCESTER FARMERS 1 AND MECHANICS' 
ASSOCIATION, HUDSON. 

[Incorporated March 15, 1876. Organized April 10, 1876.] 

Frederick S. Dawes, President. Josiah S. Welsh, Secretary. 

Income for Year ending Nov. 13, 1882. 



For membership fees, .... 
assessments, 


$102 50 
566 50 


Total income, 

Balance on hand Nov. 13, 1881, 


$669 00 
1,312 70 


Total, 


$1,981 70 



Disbursements for Year ending Nov. 13, 1882. 
Cash paid for losses and claims (2 deaths), $812 00 
for compensation to agents, . 30 00 
for salaries of officers and em- 
ployes, 66 50 

for furniture, stationery, etc., . 27 50 

Total disbursements, .... 

Balance, 



Assets Nov. 13, 1882. 
Cash in principal office, .... 
deposited in banks, .... 
Total amount of cash items, . . — 
Balance (excess) unaccounted for, . 
Office furniture, etc., ...... 



$5 45 
1,090 30 



Liabilities Nov. 13, 1882. 
Adjusted losses and claims not yet due, . $525 00 

Office rent, 50 00 



Total, . 



$575 00 



936 00 



:,045 70 



$1,095 75 

50 05 

160 00 



Losses and Claims paid during the Year. 

Whole number of deaths, 2 

Whole amount paid the beneficiaries, . . $812 00 

Number of deaths in Massachusetts, . . 2 

Amount paid the beneficiaries, .... $812 00 

Exhibit of Membership, 

Total present membership, ... . 525 

Whole number of certificates in force, . . . 525 

Total present membership in Massachusetts, . . . 516 

Number of certificates in force, , 516 



222 



MUTUAL AID AND OTHER [Dec. 31, 



MILFORD MUTUAL RELIEF ASSOCIATION, MILFORD. 

[Incorporated Aug. 4, 1881. Reorganized Nov. 15, 1881.] 

A. C. Withington, President. Lewis B. Hart, Secretary. 



Income during 1882 



For membership fees, .... 




$93 00 


assessments, 




2,158 00 


interest, 




13 38 


Total income, . . . . 


$2,264 38 


Balance on hand Dec. 31, 1881, . 


. 


673 82 


Total, 


$2,938 20 


Disbursements during 


1882. 




Cash paid for losses and claims (5 deaths), 


$2,163 00 




for salaries of officers and em- 






ployes, .... 


43 06 




for rent, postage, and printing, 


55 43 




Total disbursements, .... 




2,261 49 





Balance, 



$676 71 



Assets Dec. 31, 1882. 



Cash in principal office, 
deposited in bank, 
Total amount of cash items, 
Assessments due and unpaid, . 
Books, stationery, etc., 



$5 54 
671 17 

$6 00 
30 00 



176 71 



Losses and Claims paid during the Year. 

Whole number of deaths, 

Whole amount paid the beneficiaries, .... 



$2,163 00 



Exhibit of Membership. 

Total present membership, .... 
Whole number of certificates in force, 
Gross amounts of benefits represented therein, 
Does business only in Massachusetts. 



451 
450 

$202,500 00 



1882.] 



BENEFICIARY ASSOCIATIONS. 



223 



MUTUAL PROVIDENT ASSOCIATION, BOSTON. 

[Incorporated March 25, 1881. Commenced business April 22, 1881.] 

Thomas W. Bicknell, President. David Bentley, Secretary. 

Office, 1 6 Hawley Street. 



Income for Year ending April 30, 1883. 
For membership fees, . . . . . 

assessments, 

Total income, 

Disbursements for Year ending April 30, 1883. 
Cash paid for compensation to agents, 



L,709 00 
237 50 

.,946 50 



for medical examiner's fees, 
for advertising, postage, print- 
ing, etc., 
Total disbursements, . 



.,219 25 
281 00 

446 25 



Exhibit of Membership. 

Total present membership, 

Whole number of certificates in force, 

Gross amount of benefits represented therein, 

Total present membership in Massachusetts, 

Number of certificates in force, 

Gross amount of benefits represented therein, 



$1,946 50 



305 
305 

$844,500 00 
209 
209 

$623,500 00 



MUTUAL RELIEF ASSOCIATION, SPRINGFIELD. 

[Incorporated Jan. 3, 1878. Commenced business Jan. 3, 1878.] 

C. J. Sanderson, President. George A. Hill, Secretary. 



Income during 1882. 



For membership fees, 
assessments, 
all other sources, 

Total income, 
Balance on hand Dec. 31, 1882, 



Total, 



Disbursements during 1882. 



Cash paid for losses and claims (4 deaths), 

for salaries of officers and 

employes, .... 

for all other items, . 

Total disbursements, .... 



7 00 



100 00 
49 23 



$54 23 

939 15 

63 67 



$1,057 05 
545 14 

$1,602 19 



1,116 23 



Balance, 



$485 96 



224 



MUTUAL AID AND OTHER [Dec. 31, 



Assets Dec. 31, 1882. 
Cash in principal office, .... 
deposited in bank, .... 
Total amount of cash items, 


$57 57 
428 39 



$485 9G 



Losses and Claims paid during the Year. 



Whole number of deaths, . . 

Whole amount paid the beneficiaries, 

Number of deaths in Massachusetts, . ... 

Amount paid the beneficiaries, 

Exhibit of Membership. 

Total present membership, 

Whole number of certificates in force, 

Total present membership in Massachusetts (about), 

Number of certificates in force, .... 



4 

$967 00 

3 

$727 00 



300 
300 
250 
250 



NEW ENGLAND COMMERCIAL TRAVELERS 1 ASSOCIATION, 

BOSTON. 

[Incorporated Oct. 15, 1877. Commenced business Jan., 1877.] 

Charles Richardson, President. Edwin R. Walker, Secretary. 

Office, 40 Bedford Street. 

Income for Year ending Nov. 30, 1882, 
For membership fees, 

annual dues, 

assessments, 

interest, .... 
From all other sources, . . . 

Total income, 
Balance on hand Nov. 30, 1881, 

Total, 

Disbursements for Year ending Nov. 30, 1882. 
..Cash paid for losses and claims (3 deaths), $6,530 00 
for medical examiner's fees, . 8 50 

for salaries of officers and em- 
ployes, . 
for furniture, etc., 
for advertising, 
for all other items, 
Total disbursements, . 

Balance, . . . '. 



$670 00 


1,116 


00 


6,562 


00 


89 


29 


37 


00 


$8,474 29 


3,099 


96 


$11,574 25 



800 00 




5 00 




12 50 




. . . 713 80 






8,069 80 






$3,504 45 



1882.] 



BENEFICIAEY ASSOCIATIONS. 



225 



Assets Nov. 30, 1882. 

Cash in principal office, . . . . $11 50 

deposited in bank, .... 3,492 95 

Total amount of cash items, . • 

Furniture and fixtures, .... $75 00 

Losses and Claims paid during the Year. 

Whole number of deaths, 

Whole amount paid the beneficiaries, .... 
Number of deaths in Massachusetts, .... 
Amount paid the beneficiaries, 



Exhibit op Membership. 

Total present membership, 

Whole number of certificates in force, 

Gross amount of benefits represented therein, 

Total present membership in Massachusetts, 

Number of certificates in force, 

Gross amount of benefits represented therein, 



3,504 45 



3 

$6,530 00 

2 
$4,384 00 



1,133 
1,133 

$2,567,378 00 
1,000 
1,000 

$2,266,000 00 



NEW ENGLAND MUTUAL AID SOCIETY, NEW BEDFORD. 

[Incorporated July 11, 1877. Commenced business May, 1878.] 

Augustus P. Martin, President. George Kempton, Secretary. 

Office, 31 Milk Street, Boston. 



Income during 1882. 
For membership fees, 

annual dues 

assessments, .... 
interest, etc., .... 

Total income, .... 
Balance on hand Dec. 31, 1881, 

Total, 

Disbursements during 1882. 
Cash paid for losses and claims (60 deaths) , $173,105 93 



$12,475 00 
9,120 43 

172,835 96 
.1,212 93 

$195,644 32 
18,185 07 

$213,829 39 



for compensation to agents, 


8,283 12 




for salaries of officers and em- 






ployes, 


8,053 76 




for furniture, fixtures, or safes, . 


265 31 




for advertising, rent, postage, 






etc., 


4,878 55 




Deposits applied to payment of assess- 






ments, ....... 


512 04 




Total disbursements, . 




195,098 71 






Balance, .... 


$18,730 68 



226 



MUTUAL AID AND OTHER [Dec. 31, 



Assets Dec. 31, 1882. 



Cash in principal office, 

deposited in banks, . . . 
Total amount of cash items, 
United States bonds, . . . 

Total cash assets (as per balance), 
Assessments due and unpaid, . 

not yet due, . 
Value of bonds over cost, 
Office furniture, . . . . 

Total, . . .... 



Adjusted losses and claims not yet due, 
Losses and claims admitted, on which no 

been made, 

Losses and claims resisted, on which no 

been made, 

Losses and claims resisted, on which the 

been made, . . 

Total liabilities, .... 



$693 17 




16,488 76 






$17,181 93 




• 


• 1,548 75 




$18,730 68 


|11,137 86 




34,070 00 




251 25 




505 19 




$45,964 30 




31, 1882. 




. . . . 


$17,743 43 


assessment has 




. 


20,000 00 


assessment has 




. 


14,070 00 


assessment has 




. 


2,830 00 




$54,643 43 



Losses and Claims paid during the Year. 

Whole number of deaths, 60 

Whole amount paid the beneficiaries, .... $173,105 93 

Number of deaths in Massachusetts, .... 53 

Amount paid the beneficiaries, $141,844 95 



Exhibit of Membership. 

Total present membership, . . . 
Whole number of certificates in force, 
Gross amount of benefits represented therein, 
Total present membership in Massachusetts, 
Number of certificates in force, 
Gross amount of benefits represented therein, 



4,649 
4,649 

$20,564,000 00 
3,829 
3,829 

$16,845,000 00 



1882.] BENEFICIARY ASSOCIATIONS. 22' 



NEW ENGLAND RAILWAY PASSENGER CONDUCTORS' 
BENEVOLENT ASSOCIATION. 

[Incorporated Nov. 6, 1882. Commenced business, June 14, 1875. j 

H. E. Paine, President. Charles E. Dyer, Secretary. 

Office, 48 Perkins Street, Charlestown. 

Income during 1882. 

For membership fees, $38 00 

assessments, ... . . • . . . 2,176 00 

interest, etc., 15 33 

Total income, $2,229 33 

Balance on hand Dec. 31, 1881, 236 77 

Total, $2,466 10 

Disbursements during 1882. 

Cash paid for losses and claims (1 death), f 1,575 00 
for salaries of officers and 
employes, .... 225 00 

for printing postage, etc., . 39 55 

Total disbursements, .... 1,839 55 

Balance, $626 55 

Assets Dec. 31, 1882. 
Cash deposited in bank, $626 55 

Losses and Claims paid during the Year. 

Whole number of deaths, 1 

Whole amount paid the beneficiaries, . . . . $1,575 00 

Number of deaths in Massachusetts, .... 1 

Amount paid the beneficiaries $1,575 00 

Exhibit of Membership. 

Total present membership, 322 

Whole number of certificates in force, . . . 322 

Total present membership in Massachusetts (estimated), 250 

Number of certificates in force, . 250 



228 MUTUAL AID AND OTHER [Dec. 31, 

NEW ENGLAND RELIEF ASSOCIATION, BOSTON. 

[Incorporated July 6, 1881. Commenced business July 16, 1881.] 

J. A. Harwood, President. H. A. Shorey, Secretary. 

Office, 31 Milk Street. 

Income during 1882. 

For membership fees, f 2,972 18 

dues, 2,307 95 

assessments, 9,346 64 

Total income, $14,626 77 

Balance on hand Dec. 31, 1881, 10 98 

Total, $14,637 75 

Disbursements during 1882. 
Cash paid for losses and claims (2 deaths), $9,346 64 
for salaries to agents, . . 595 00 
for travelling expenses to agents, 50 75 
for medical examiner's fees, . 1,690 25 
for salaries of officers and em- 
ployes, 880 00 

for furniture and fixtures, . 126 91 

for advertising, rent, etc,. . . 1,908 47 

Total disbursements, .... 14,598 02 

Balance, $39 73 

Assets Dec. 31, 1882. 

Cash in principal office, . . . . $10 67 
deposited in bank, .... 29 06 
Total amount of cash items, . . $39 73 

Losses and Claims paid during the Year. 

Whole number of deaths, 2 

Whole amount paid the beneficiaries, .... $9,346 64 

Exhibit of Membership. 

Total present membership . . . . . . 1,876 

Whole number of certificates in force, .... 1,697 

Gross amount of benefits represented therein, . . . $5,148,000 00 

Total present membership in Massachusetts, . . . 1,865 

Number of certificates in force, 1 ,686 

Gross amount of benefits represented therein, . . . $5,115,000 00 



/ 
1882.] BENEFICIARY ASSOCIATIONS. 229 

PEABODY MUTUAL BENEFIT ASSOCIATION, PEABODY. 

[Commenced business April 1, 1880.] 

Charles Cassidy, President. James H. Thomas, Secretary. 

Income during 1882. 

For membership fees, $71 00 

assessments and fines, 843 40 

Total income, $914 40 

Balance on hand Dec. 81, 1881, 115 37 



Total, $1,029 77 

Disbursements during 1882. 

Cash paid for losses and claims (4 deaths), $764 00 

for salary of treasurer, . 10 00 

for commission to secretary, . 43 21 

for postage, printing and rent, . 28 90 

Total disbursements, .... 846 11 

Balance, $183 66 

Assets Jan. 5, 1883. 

Cash deposited in bank, $183 66 

Interest due and accrued, .... $7 66 

Losses and Claims paid during the Year. 

Whole number of deaths, 4: 

Whole amount paid the beneficiaries, .... $764 00 

Exhibit of Membership. 

Total present membership, 221 

Whole number of certificates in force, .... 221 

Gross amount of benefits represented therein, . . $48,841 00 

Does business only in Massachusetts. 



PEOPLE'S ACCIDENT ASSOCIATION, SPRINGFIELD. 

[Incorporated July 20, 1882.J 

F. E. Cooper, Vice-President. J. C. Condon, Secretary. 

Were not doing any business at end of 1882, 



230 MUTUAL AID AND OTHER [Dec. 31, 

PEOPLE'S BENEFIT ASSOCIATION, BOSTON. 

[Incorporated April 26, 1883.] 

Albert C. Smith, President. Robert J. Murray, Secretary. 

Office, Transcript Building. 



PLYMOUTH MUTUAL BENEFIT ASSOCIATION, PLYMOUTH. 

[Incorporated March 22, 1883. Commenced business Jan. 8, 1880.] 

T. S. Diman, President. Harry O. Barnes, Secretary. 

Income for Year ending April 1, 1883. 

For membership fees, 

dues, . . . .. . 

assessments, . . . . 

interest, 



$17 00 


275 


00 


66 


00 


8 


20 


$366 


20 


203 


44 



Total income, 

Balance on hand Jan. 1, 1883, 

Total, |569 64 

Disbursements. 

Cash paid for losses and claims (1 death), |405 18 
for salaries of officers and em- 
ployes, . . . • . . 15 00 
for postage, rent, etc., . 43 66 
Total disbursements, .... 463 84 



Balance, $105 80 

Assets April 1, 1883. 
Cash in the hands of trustees, ... $5 80 

deposited in bank, .... 100 00 

Total amount of cash items, . . $105 80 

Losses and Claims paid during the Year. 

Whole number of deaths, 1 

Whole amount paid the beneficiaries, .... $405 18 

Exhibit of Membership. 

Total present membership, 60 

Number of certificates in force, 60 

Does business only in Massachusetts. 



1882.] 



BENEFICIARY ASSOCIATIONS. 



231 



SAGAMORE MUTUAL BENEFIT ASSOCIATION, LYNN. 

[Incorporated Jan. 5, 1883. Commenced business Aug. 20, 1873.] 

E. K. Fogg, President. H. H. Green, Secretary 



Income during 1882. 



For membership fees, 

assessments, 
From all other sources, 



} 



Total income, 
Balance on hand Dec. 31, 1881, 

Total, .-..■■.. 



$8,026 
46 


70 
10 


$8,072 80 
2,436 15 


$10,508 95 



Disbursements during 1882. 
Cash paid for losses and claims (8 deaths) , $8,341 00 
for medical examiner's fees, . 22 50 
for salaries of officers and em- 
ployes, 451 13 

for advertising, .... 130 41 

for all other items, ... 12 50 

Total disbursements, . . . . — 

Balance, 

Assets Dec. 31, 1882. 

Cash deposited in bank, . 

Balance (excess) unaccounted for, . . $531 04 



8,957 54 



,551 41 



1,082 45 



Losses and Claims paid during the Year. 

Whole number of deaths, $ 

Whole amount paid the beneficiaries, .... $8,341 00 

Number of deaths in Massachusetts, 8 

Amount paid the beneficiaries, $8,341 00 



Exhibit of Membership. 
Total present membership, .... 
Whole amount of certificates in force, 
Gross amount of benefits represented therein, 
Total present membership in Massachusetts, . 
Number of certificates in force, 
Gross amount of benefits represented therein, . 



1,050 

1,050 

11,102,500 00 

962 

962 

$925,444 00 



232 



MUTUAL AID AND OTHER [Dec. 31, 



SALEM MUTUAL BENEFIT ASSOCIATION, SALEM. 

[Incorporated April 11, 1882. Commenced business April 9, 1873.] 

John M. Raymond, President. Thomas J. Hutchinson, Secretary. 

Income during 1882. 
For membership fees, 



assessments, 
interest, 

Total income, 
Balance on hand Dec 

Total, . 



31, 1881, 



Disbursements during 1882. 

Cash paid for losses and claims (13 deaths), $12,990 00 
for salaries of officers and em- 
ployes, 810 69 

for rent, postage, etc., . . 394 42 

Total disbursements, .... 

Balance, 

Assets Dec. 31, 1882. 
Cash deposited in banks, , . 

Losses and Claims paid during the Year. 

Whole number of deaths, 

Whole amount paid the beneficiaries, .... 

Exhibit of Membership. 

Total present membership, . . . . 
Whole number of certificates in force, .... 
Gross amount of benefits represented therein, 
Does business only in Massachusetts. 



$104 00 
13,916 37 
37 98 



$14,058 35 
1,283 50 



$15,341 85 



14,195 11 



$1,146 74 


$1,146 74 


13 


$12,990 00 


987 


987 


$974,169 00 



ROBERT G. SHAW VETERAN ASSOCIATION, BOSTON. 

[Incorporated June 1, 1882. Commenced business June 1, 1882.] 

James B. Watkins, President. Howard L. Smith, Secretary. 

Office, 13 Grove Street. 



Income during 1882, 



$809 00 



Disbursements during 1882. 
Cash paid for losses and claims (2 deaths), $80 50 
for furniture, fixtures, rent, etc., 690 60 
Total disbursements, .... 771 10 



Balance, 



$37 90 



1882.] BENEFICIARY ASSOCIATIONS. 233 

Assets Dec. 31, 1882. 
Cash in principal office, .... $27 90 

deposited in banks, . . . . 10 00 

Total amount of cash items, . . , $37 90 

Amount due and unpaid, .... $75 00 

Liabilities Dec. 31, 1882. 
Adjusted losses and claims due and unpaid, . . . $107 05 

Losses and Claims paid during the Year. 

Whole number of deaths, ....... 2 

Whole amount paid the beneficiaries, . . . . $152 50 

Exhibit of Membership. 

Total present membership, 55 

Total present membership in Massachusetts, ... 54 



SOMERVILLE POLICE RELIEF ASSOCIATION, SOMERVILLE. 

[Incorporated Jan. 24, 1882. Commenced business March, 1872.] 

Robert R. Perry, President. Samuel R. Dow, Clerk. 

Office, Police Building. 

Income during 1882. 

For membership fees, 

From old association, 

From annual ball, 

Interest, 



$480 00 


1,385 21 


802 79 


24 00 



Total income, $2,692 00 

Disbursements during 1882. 
Cash paid for books, stationery, etc., . $21 85 

Total disbursements, .... 21 85 



Balance, $2,670 15 

Assets Dec. 31, 1882. 
Cash in principal office, . . . $81 69 



deposited in banks, . 
Invested in bonds, 

Total amount of cash items, 
Interest due and accrued, . 



2,188 46 
400 00 

$32 83 



$2,670 15 



Exhibit of Membership. 
Total present membership, . ... 24 



234 



MUTUAL AID AND OTHER [Dec. 31, 



UNION BENEVOLENT SOCIETY OF NEW ENGLAND, BOSTON. 

[Incorporated March 3, 1882. Commenced March 3, 1882.] 

Thomas Moore, President. Owen W. Rice, Secretary. 

Office, 8 Charlestown Street. 



Income during 1882. 



For membership fees, 



|169 00 



Disbursements during 1882. 

Cash paid for losses and claims (1 death), $63 00 

for postage, rent, etc., . . 63 00 

Total disbursements, .... 

Balance, 



126 00 



$43 00 



Assets Dec. 31, 18S2. 



Cash in principal office, 



$43 00 



Losses and Claims paid during the Year. 

Whole number of deaths, 1 

Whole amount paid the beneficiaries, . . . . $63 00 



Exhibit of Membership, 

Total present membership, .... 
Number of certificates in force, 
Gross amount of benefits represented therein, . 
Does business only in Massachusetts. 



43 
43 

$4,300 00 



UNION MUTUAL BENEFIT ASSOCIATION, BOSTON. 

[Incorporated Dec. 24, 1879. Commenced Jan. 9, 1880.] 

N. T. Merritt, President. Charles R. Folsom, Secretary. 

Office, 85 Devonshire Street. 



Income during 1882. 



For membership fees, 

dues, .... 
assessments, 

Total income, 
Balance on hand Dec. 31, 1881, 

Total, . 



$1,387 00 
2,533 80 

8,779 88 

$12,700 68 
28 07 

$12,728 75 



1882.] BENEFICIARY ASSOCIATIONS. 235 

Disbursements during 1882. 
Cash paid for losses and claims (6 deaths) , $8,346 32 
lor compensation to agents, . 1,059 05 
for salaries of officers and em- 
ployes, 1,697 23 

for advertising, rent, postage, 

etc., 1,123 38 

$12,225 98 



Balance, $502 77 

Assets Dec. 31, 1882. 
Cash in principal office, .... $183 25 
deposited in bank, .... 319 52 
Total amount of cash items, . . 

Liabilities. 
Adjusted loss not paid, 

Losses and Claims paid during the Year 

Whole number of deaths, 

Whole amount paid the beneficiaries, 

Number of deaths in Massachusetts, 

Amount paid the beneficiaries, 

Exhibit of Membership. 

Total present membership, 

Gross amount of benefits represented therein, 
Total present membership in Massachusetts, . 
Gross amount of benefits represented therein, 



$502 77 


$433 56 


R. 

6 
$8,346 32 

5 
$6,896 32 


803 
$2,382,000 00 

638 
$1,960,000 00 



UNITED STATES BENEFIT ASSOCIATION, BOSTON. 

[Incorporated Jan. 5, 1882. Commenced business Jan. 14, 1882.] 

Henry W. Robinson, President. W. E. Stone, Secretary 

Office, 160 Tremont Street. 

Income during 1882. 

For membership fees, 

annual dues, . . ... 

From increase of capital, 

cash borrowed, , . 

all other items, 



Total income, 
Cash on hand Jan. 4, 1882, 

Total, . 



$6,173 00 


880 25 


2,250 00 


1,327 20 


50 


$10,630 95 


1,000 00 


$11,630 95 



236 



MUTUAL AID AND OTHER [Dec. 31, 



Disbursements during 1882. 

Cash paid for compensation to agents, 
for medical examiner's fees, 
for salaries of officers and em- 
ployes, 

for furniture, advertising, etc., . 
Total disbursements, .... 



£5,726 50 




129 25 




2,997 56 




2,595 46 






$11,448 77 





Balance, 



$182 18 



Assets Dec. 31, 1882. 



Cash in principal office, 
Assessments due and unpaid, 
Assessments not yet due, . 
All other property, 



$171 00 

2,930 00 

907 47 



$182 18 



$4,008 47 



Liabilities Dec. 31, 1882. 

Amount due for borrowed money, . 

capital stock, .... 



Exhibit of Membership. 

Total present membership, .... 

Whole number of certificates in force, 

Gross amount of benefits represented therein, 

Total present membership in Massachusetts, . 

Number of certificates in force, 

Gross amount of benefits represented therein, 



$1,327 20 
3,250 00 

$4,577 20 

842 
842 

5,345,000 00 
821 
821 

1,264,000 00 



WARREN FRATERNAL BENEFIT ASSOCIATION, LYNN. 

[Incorporated July 7, 1882. Commenced business May 6, 1873.J 

Isaac Frazier, President. J. R. Guindon, Secretary. 

Income during 1882. 

For membership fees, $44 00 

assessments, 13,525 50 

interest, 18 06 

Total income, $13,587 56 

Balance on hand Dec. 31, 1881, 1,833 72 

Total, $15,421 28 



1882.] 



BENEFICIARY ASSOCIATIONS. 



237 



Disbursements during 1882. 

Cash paid for losses and claims (12 deaths), $12,286 00 
for salaries of officers and em- 
ployes, 

for settlement of Clarrage claim, 
for printing, postage, etc., 
Total disbursements, .... 



614 75 




1,427 06 




335 62 






$14,663 43 





. Balance, 



$757 85 



Assets Dec. 31, 1882. 



Cash deposited in bank, 
Safe, books, etc., 



$757 85 
100 00 



Losses and Claims paid during the Year. 

Whole number of deaths, ....... 12 

Whole amount paid the beneficiaries, .... $12,286 00 

Number of deaths in Massachusetts, 11 

Amount paid the beneficiaries, $11,282 00 



Exhibit of Membership. 

Total present membership, 

Whole number of certificates in force, 

Gross amount of benefits represented therein, 

Total present membership in Massachusetts, 

Number of certificates in force, 

Gross amount of benefits represented therein, 



1,012 

1,012 

$1,012,000 00 

958 

958 

$958,000 00 



WASHINGTON MUTUAL BENEFIT ASSOCIATION, LYNN. 

[Commenced business May 23, 1873.] 

E. W. Webster, President. L. B. Gould, Secretary. 

Income during 1882. 

For membership fees, $24 00 

assessments, 3,040 40 

interest, 8 94 

Total income $3,073 34 

Balance on hand Dec. 31, 1881, 273 49 

Total, $ 3,346 83 



238 MUTUAL AID ASSOCIATIONS. [Dec. 31/82. 

Disbursements during 1882. 

Cash paid for losses and claims (7 deaths), $2,447 00 
for salaries of officers and em- 
ploye's, 117 00 

for printing, . . . . 65 50 

Total disbursements, . . . $2,629 50 

Balance, . : . $717 33 

Assets Dec. 31, 1882. 
Cash on hand, ......... $717 33 

Losses and Claims paid during the Year. 

Whole number of deaths, . 7 

Whole amount paid the beneficiaries, '. . . . $2,447 00 

Exhibit op Membership. 
Total present membership, 310 



SUMMARY OF THE BUSINESS 



MUTUAL AID AND CO-OPEEATIYE ASSOCIATIONS. 



240 



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BENEFICIARY ASSOCIATIONS. 



241 





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of the Ancient Order of United Work 
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242 



MUTUAL AID AND OTHER [Dec. 31, 



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1882.] 



BENEFICIARY ASSOCIATIONS. 



243 





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244 



MUTUAL AID AND OTHER [Dec. 31, 



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1882.] 



BENEFICIARY ASSOCIATIONS. 



245 





o 


^H 


o 


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co 


CO 


CM 


CM 


O 


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CO 


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iO 


00 


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GO 


CO 


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LIFE, CASUALTY, AND ACCIDENT 

INSURANCE COMPANIES 

OF OTHBE STATES 

Authorized to do Business in Massachusetts, with the Agents 
acting for the same and the amount of business done 
by Each Agent, for the year ending October 
31, 1882, as returned to the tax com- 
missioner and by him compiled. 



248 



AGENTS OF LIFE INSURANCE [Dec. 31, 



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249 



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1882.] COMPANIES OF OTHER STATES. 



251 



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1882.] COMPANIES OF OTHER STATES. 



253 







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AGENTS AND SUB-AGENTS. 



256 



AGENTS AND SUB-AGENTS. [Dec. 31 



LIST OF AGENTS AND SUB-AGENTS 

AUTHORIZED AT DATE OF PUBLICATION OF THIS REPORT. 



Agents marked *. 



ACCIDENT OF NORTH AMERICA, Montreal, Canada. 



Names. 


Residence. 


Names. 


Residence. 


A. W. Safford, . 


Adams. 


Samuel Whittier, 


Leominster. 


Jewell & Van Valk- 




F. B. Lindsay, . 


Mill River. 


enberg, 


Athol. 


John N. Shattuck, 


Natick. 


George 0. Fogg,* 


Boston. 


George F. Miller, 


North Adams. 


Curtis Clark,* 


Boston. 


George W. Ely, . 


Palmer. 


John R. Fairbairn, 


Cambridge. 


Harry W. Putnam, . 


Salem. 


Durfee & Chace, . 


Fall River, 


Charles H. Burr, 


Southbridge, 


Lockey & Allison, . . 


Fitchburg, 


Zenas C. Rennie,* 


Springfield. 


Robert W. Carpenter, . 


Foxboro. 


Walter R. Webster, . 


Springfield. 


Charles N. Edgell, 


Gardner. 


George A. Millay, 


Taunton, 


R. B. Johnson & Co., . 


Holyoke. 


Thos. H. Hill & Co., . 


Woburn. 


J. J. Kilbride, . 


Lawrence. 


J. B. Bonnell, . 


Worcester. 



JETNA, Hartford, Conn. 



D wight Chester,* 
Edward M. Hoyt, 
John H. Stevens, . 
G. D. Richardson, 



Boston. 
Boston. 
Boston. 
Boston. 



John T. McManus, . 
Chauncey H. Pierce,* 
E. L. Jaggar, 
Walter D. Tyler, 



Hartford. 
Northampton. 
Northampton. 
Oxford. 



CONNECTICUT GENERAL, Hartford, Conn. 



Alfred Laws,* 
James M. Cushman,* 



Brockton. 
Taunton. 



Edwin G. Field,* 



Worcester. 



CONNECTICUT MUTUAL, Hartford, Conn. 



Samuel H. Stone, 


Beverly. 


Joshua P. Bird, . 


Newton. 


Sidney F. Tyler,* 


Boston. 


Oliver Walker, . 


Northampton. 


Daniel W. Kilburn, - . 


Boston. 


Charles A. Babbitt, . 


Orange. 


Thomas F. Dodge, 


Boston. 


J. Warren Upton, 


Peabody. 


Sylvan us B. Fay, 


Boston. 


Chester Buck, . 


Pittsfield. 


George L. Wrenn, 


Boston. 


George E. Foster, 


Pitts field. 


F. C. Friend, 


Boston. 


William S. Danforth, 


Plymouth. 


C. E. Morse, 


Boston. 


Myron B, Spooner, . 


South Lee. 


Henry W. Billings, 


Conway. 


Emma R. Jillson, 


Springfield, 


Charles L. Cook, . 


Conway. 


J. C. Hammond, 


Taunton. 


S. A. Stacy & Son, 


Gloucester. 


Wm. Lincoln & Co., . 


Warren. 


John K. Norwood, 


Lawrence. 


V. W. Crowson, 


Westfield. 


J. C. Chaffee, 


Lee. 


William A. Smith, 


Worcester. 


Albert P. Sawyer, 


Newburyport. 







1882.] AGENTS AND SUB-AGENTS. 

EQUITABLE, New York. 



257 



Names. 


Eesidence. 


Names. 


Residence. 


S. F. McCleary * . 


Boston. 


Clarence S. Goodwin, 


Boston. 


Nathan Warren, . 


Boston. 


William D. Thayer, . 


Boston. 


George L. Stocking, 


Boston. 


John Gordon, 


Boston. 


Henry McL. Harding, . 


Boston. 


A. H. Bellows, . 


Boston. 


George Harvey, . 


Boston. 


George H. Wells, 


Boston. 


E. L. S. Hammond, . 


Boston. 


Clarence A. Cook,* . 


New Bedford. 


"W. F. Jenkins, . 


Boston. 


John M. Turner * . 


Northampton. 


W. C. Johnston, Jr., . 


Boston. 


Charles Fay,* 


Springfield. 


Charles 0. Nelson, 


Boston. 


A. M. Sleeper, . 


Springfield. 


A. Parker Newman, . 


Boston. 


E. P. Kendrick, . 


Springfield. 


James B. Niver, . 


Boston. 


Joseph E. Bradford, . 


Worcester. 



FIDELITY AND CASUALTY, New York. 



Byron P. Myers,* 
Samuel H. Stone, 
Ellison, Baker & Cool- 


Adams. 
Beverly. 


William E. Chase, 
Chauncey H. Pierce,* 
Charles H. Burr,* . 


Newburyport. 
Northampton. 
Southbridge. 


idge,* 
John S. D'Evelyn, 


Boston. 
Lowell. 


T. W. Adams, . 
Thomas H. Hill & Co., 


Springfield. 
Woburn. 


Edward E. Clapp,* 


New York. 


Charles D. Tucker, . 


Worcester. 



GERMANIA, New York. 



Emil Schwab,* . 
Henry P. Olin,* . 



Boston. 
Boston. 



Siegmund Levison, 
Benjamin Zaeder, 



Springfield. 
Worcester. 



GUARANTEE OF NORTH AMERICA, Montreal, Canada. 



George W. Gregerson,* 
Chace & Shaw, . 



Boston. 
Fall River. 



E. T. Jackson & Co., . 



Taunton. 



HARTFORD STEAM BOILER, Hartford, Conn. 



W. S. Chamberlin * 
Chace & Shaw,* . 
Lockey & Allison,* 



Boston. 
Fall River. 
Fitch burg. 



D. C. Freeman,* 
William F. Johnson,* 
John L. Smith,* , 



Hartford. 

Lynn. 

Providence. 



HOME, New York. 



James M. Burgess,* 
William Kellen, . 
Andrew J. Church, 



Boston. 
Boston. 
Providence. 



Thomas Ely, 
Philip Pond, 



Providence. 
Springfield. 



HOMOEOPATHIC MUTUAL, New York. 



E. F. Spaulding * 
Charles G. Stevens,* . 



Boston. 
Clinton. 



H. J. B. Hudson, 



Lynn. 



258 AGENTS AND SUB-AGENTS. [Dec. 31, 

LLOYDS PLATE-GLASS, New York. 



Names. 


Residence. 


Names. 


Residence. 


Roswell S. Barrows * . 
Nathaniel C. Stearns,* 
John R. Fairbairn,* 
John P. Slade & Son,* 


Boston. 
Boston. 
Cambridge. 
Fall River. 


George Steele*, . 

L. Grinnell & Co. * . 

Edward B. Rice,* 


Gloucester. 
New Bedford. 
Worcester. 



MANHATTAN, New York. 



Henry B. Pierce, . 


Abington. 


J. Mason Everett,* 


Boston. 


Charles W. Holden, . 


Boston. 



Geo. R. Harrington,* 
Addison V. Newton,* 



Springfield. 
Worcester. 



METROPOLITAN, New York. 



Thomas McGeever, 


Attleboro. 


Thomas Bailey, . 


Fall River. 


Charles Drouet,* . 


Boston. 


Robert Cowgill, . 


Fall River. 


Marcus Kallman,* 


Boston. 


William A. Dunn, 


Fall River. 


George Broadbent, 


Boston. 


Peter Harwood, . 


tall River. 


John Sykes, . 


Boston. 


James Hiland,. . 


Fall River. 


Edward Hitchens, 


Boston. 


William Thornton, 


Fall River. 


Fred'k B. Broadhead, . 


Boston. 


Henry J. Hoare, 


Fall River. 


Hugh G. Montgomery, 


Boston. 


John Booth, 


Fall River. 


George Lufkin, . 


Boston. 


Lorenzo Goodwin, 


Fall River. 


James Heifer, 


Boston. 


Robert Hodson, . 


Fall River. 


Victor Bloom, 


Boston. 


Patrick O'Reilley, 


Fitchburg. 


R. A. Elliott, 


Boston. 


William J. Gale, 


Haverhill. 


Gerald McManus, 


Boston. 


R. H. Mclnnis, . 


Haverhill. 


J. F. Chase, . 


Boston, 


John Clantry, 


Haverhill. 


George S. Baltho, 


Boston. 


Thomas O'Hare, 


Holyoke. 


John N. Munro, . 


Boston. 


Joseph Flannigan, 


Holyoke. 


Charles J. Smith, 


Boston. 


A. E. Brown, 


Holyoke. 


David Smith, 


Boston. 


William Johnston, 


Holyoke. 


Marinius Landman, 


Boston. 


M. Sullivan, 


Holyoke. 


Anne W. Cruiksbaw, . 


Boston. 


E. Vortigern, 


Holyoke. 


Edward Salisbury, 


Boston. 


John Smith, 


Lawrence. 


Albert Brown, 


Boston. 


A. J. Emptage, . 


Lawrence. 


W. H. Travers, . 


Boston. 


Ernest Jones, 


Lawrence. 


R. G. McLaughlan, 


Boston. 


J. H. Kingwell, . 


Lawrence. 


A. B. Spence, 


Boston. 


W. T. Conant, . 


Lawrence. 


John Johnston, . 


Boston. 


Edward North, . 


Lawrence. 


William E. Haskell, . 


Boston. 


John Holt, . 


Lawrence. 


William B. Geddes, . 


Boston. 


Thomas Holden, 


Lawrence. 


John Murphy, 


Boston. 


Fred Morasse, . 


Lawrence. 


Charles Chamberlin, . 


Boston. 


Jonathan Wilde, 


Lowell. 


Francis T. Dawson, 


Boston. 


James Sykes, 


Lowell. 


James Briggs, 


Boston. 


James L. Moss, . 


Lowell. 


James Preston, . 


Boston. 


Chas. L. Bert helot, . 


Lowell. 


George Moore, 


Boston. 


Hannibal James, 


Lowell. 


E. B. Pettits, 


Boston. 


Austin Young, . 


Lowell. 


William H. McLaren, . 


Boston. 


Zachariah Feindle, 


Lowell. 


Francis Jones„ 


Boston. 


W. H. Timson, . 


Lynn. 


John D. W. Tillson, . 


Boston. 


George Goss, 


Lynn. 


Benjamin Orme, . 


Boston. 


James F. Richmond, . 


Lynn. 


Albert Twiner,, . 


Boston. 


W. H. Jarvis, 


Lynn. 


Richard Twiner, . 


Boston. 


John B. Flowers, 


Lynn. 


Henry Williams, . 


Boston. 


James Chudley, . 


Lynn. 


Oren Webster Dix, 


Boston. 


William Haigh, . 


New Bedford. 


Albert C. Bunker, 


Chelsea. 


F. W. Brown, . 


Newburyport. 


Carl Jacob«on, 


Clinton. 


J. R. Rogers, 


No. Brookfield. 


C. H. Graff, . 


Clinton. 


James Glazebrook, . 


Salem. 


T. F. Judge, . 


Clinton. 


Seymour I. Hugdens, 


Salem. 


A. A. Rose, . 


Easthampton. 


Patrick Macintire, 


Salem. 



[1882. AGENTS AND SUB-AGENTS. 

METROPOLITAN — Concluded. 



259 



Names. 


Eesidence. 


Names. 


Residence. 


Samuel Barker, . 


Salem. 


F. H. Bley, 


Webster. 


James Allen, 






Salem. 


Joseph Bernier, . 


Webster. 


John Sharman, 






Salem. 


J. A. Higgins, . 


Worcester. 


John McDaid, 






Springfield. 


Oscar Holcomb, . 


Worcester. 


J. H. Docher, 






Springfield. 


George H. Matthews, 


Worcester. 


H. C. Martin, 






Springfield. 


William Hough, 


Worcester. 


William Turner, 






Springfield. 


Fred. Hough, 


Worcester. 


Alfred Butler, 






Springfield. 


S. A. Wood, 


Worcester. 


James Turner, 






Springfield. 


W.H.Russell, . 


Worcester. 


Joseph F. Bulkley, 




Taunton. 







METROPOLITAN PLATE-GLASS, New York. 



Jacob Bean,* 

S. D. Howland * . 

R. B. Johnson & Co., * 



Boston. 
Fall River. 
Holyoke. 



L. B. Usher,* . 
Emory H. Nash* 
F. A. Judd * 



Lynn. 

Pittsfield. 

Springfield. 





M UTUAL, New York. 




Henry M. McLoud, 


Amherst. 


Edwin Fletcher, 


Lawrence. 


William R. Gordon, . 


Beverly. 


George L. Spaulding, . 


Lowell. 


Cornelius G. Attwood,* 


Boston. 


Francis E. Manley, . 


Lowell. 


Frederick Krause, 


Boston. 


William F. Newhall, . 


Lynn. 


Edmund R. Fowler, . 


Boston. 


J. L. Hanaford, . 


Melrose. 


J. B. Antbonv, 


Boston. 


W. Eustis Barker, 


Newton. 


Charles Taibell, . 


Boston. 


L. Grinnell & Co., 


New Bedford. 


Peter Tancred, 


Boston. 


William E. Chase, . 


Newbury port. 


Ralph Ely, . 


Boston. 


Robert R. Horton, 


No. Eastham. 


George A. Smith, 


Boston. 


J. Frank Dalton, 


Salem. 


Lemuel Tyler, 


Boston. 


William P. Hood, . 


Somerset. 


C. G. Stevens & Son, . 


Clinton. 


William Hobson, 


Somerville. 


E. N. Moody. 


Dedham. 


Samuel A. Gardner, . 


Springfield. 


S. M. Brown & Co., . 


Fall River. 


Zenas C. Rennie, 


Springfield. 


S. D. Howland, . 


Fall River. 


Andrew S. Briggs, 


Taunton. 


J. A. Remington, 


Fall River. 


Herbert C. Taft, . 


Waltham. 


H. L. Follansbee, 


Gloucester. 


R. B. Robinson, . 


Westfield. 


Frank H. Wright, 


Gt. Barrington. 


Franklin Whipple, 


Worcester. 


Edward F. Adams, 


Haverhill. 


J. B. Bonnell, . 


Worcester. 


C. B. Wolcott, 


Holyoke. 







MUTUAL BENEFIT, Newark, N. J. 



George W. Allen, 
Edward A. Thomas, 
Homer M. Daggett, Jr, 
Hedges & Hodges,* 
W. H. S. Jordan, 
R. V. C. Emerson, 
J. C. Whitmore, . 
James Townsend, 
James H. McFarland, 
Lewis Carroll, 



Amherst. 

Amherst. 

Attleboro. 

Boston. 

Boston. 

Boston. 

Boston. 

Boston. 

Boston. 

Boston. 



Samuel 0. Ingalls, 
James H. Cleaves, 
Joshua Merrill, . 
N. Everett Silsbee, 
John T. Hall, . 
Benj. W. Russell, 
Orrin L. Cowles, 
Sparrow Horton, 
Addison V. Newton, 



Boston. 

Boston. 

Lowell. 

Lynn. 

Plymouth. 

Salem. 

Westfield. 

Woburn. 

Worcester. 





NATIONAL, M 


ONTPELIER, VT. 




James T. Phelps,* 


Boston. 


William C. Dewey, . 


Palmer. 


Lewis Lyman, 


Boston. 


S. C. Warriner, . 


Springfield. 


Frank H. Putter, . 


Boston. 


S. R. Higgins, . 


Wdltteet. 


D. T. Averill, 


Campello. 


E. S. Merrill,* . 


Winchendon. 


S. A. Childs*, 


Fitch burg. 


Chas. D. Tucker,* . 


Worcester. 


W. A. S.Smyth, . 


Lynn. 







260 AGENTS AND SUB-AGENTS. [Dec. 31, 

NEW YORK, New York. 



Names. 


Residence. 


Names. 


Residence. 


W. H. Kling, 


Attleboro. 


Charles E. Kirby, 


Fitch burg. 


Benj. S- Calef,* . 


Boston. 


Leverett Clarke, 


Haverhill. 


William F. Morrill, , 


Boston. 


Fred W. Pratt, . 


Haverhill. 


A. J. Mosher, 


Boston. 


Henrv A. Greenough, 


Haverhill. 


Thomas F. Dodge, 


Boston. 


George B. Fiske. 


Holliston. 


George W. Warren, . 


Boston. 


H. H. Ballard, . 


Lenox. 


W. J. McCormick, 


Boston. 


S. W. Cook, 


Lowell. 


Jacob Fox, . . . 


Boston. 


Warren Tap lev, . 


Lynn. 


Benj. A. Ball, 


Boston. 


George B. Richmond, 


New Bedford. 


Frederick W. Cole, 


Boston. 


Jarvis Rockwell,* 


North Adams. 


J. M. Stuart, 


Boston. 


Joseph W. Cross, 


Revere. 


William Back, 


Boston. 


Ira F. Lowell, . 


Rockland. 


Stephen Swift, 


Brockton. 


Fred Harris, 


Springfield. 


J. C. Proctor, 


Dunstable. 


Joseph Stone, 


Winchester. 


J. M. Shepard, Jr., 


Fall River. 


E. H. Sanford, . 


Worcester. 


William Montgomery, 


Fall River. 


James Melanefy,* 


Worcester. 



NORTH-WESTERN MUTUAL, Milwaukee, Wis. 


Edward J. Smith,* 


Boston. 


Joseph Coram, . 


Lowell. 


William P. Gannett, . 


Boston. 


Adolphin J. Chapman, 


Lowell. 


C. C. Guiteau, 


Boston. 


Mrs. Francis T. Gil- 




Geo. B. Billiard, . 


Boston. 


man,* 


New Bedford. 


Thomas E. Lambert, . 


Boston. 


Edward D. Tyler, 


North Adams. 


J. M. Kilgore ,* . 


Lowell. 







PENN MUTUAL, Philadelphia, Pa. 



Barnard Bros ,* . 
James H. MacBride,* 
Wm. Bunting, 



Boston. 
Boston. 
Boston. 



Chas. Hume, 
George French*, 
Putnam & Poor, 



Lowell. 
North Adams. 
Salem. 



PROVIDENT LIFE AND TRUST, Philadelphia, Pa. 



Gilbert C. Hoag * 
David N. Holway, 
Hiram V. Gould, . 
John S. Winn, 



Boston. 
Boston. 
Boston. 
Boston. 



Lewis A. Burr, . 
S Clarence Tozzer, 
George G. Newhall, 
John T. Flood, . 



Boston. 
Lynn. 
Lynn. 
Randolph. 



PROVIDENT SAVINGS, New York. 



Fred W. Masters * 



Boston. 



TRAVELERS', 


Hartford, Conn. 




F. H. B. Munson, 


Adams. 


Joel Hervev, 


Blackstone. 


Henry M. McCloud, . 


Amherst. 


Hatch & Woodman,* 


Boston. 


George F. Lord, . 


Athol. 


Alonzo P. Jones, 


Boston. 


E. F. Brown, 


Athol. 


H. S. Keeler, 


Boston. 


0. P. Richardson, Jr., . 


Attleboro. 


Locke & Gale, . 


Boston. 


Joseph 0. Moury. 


Attleboro. 


Edwin Mercer, . 


Boston. 


Arthur Fenner, . 


Ayer. 


L. H. Palmer, . 


Boston. 


Joseph F. Bulkley, 


Ayer Junction. 


J. W. Richardson, 


Boston. 


Samuel Anderson, 


Ayer Junction. 


George M. Roberts, . 


Boston. 


Frank P. Goss, . 


Barnstable. 


William E. Sheldon, . 


Boston. 


E. A. R. Fairchild, . 


Belchertown. 


Joseph L. White, 


Boston. 


Samuel Porter, 


Beverly. 


T. Edward Bond, 


Boston. 



1882.] AGENTS AND SUB-AGENTS. 

TRAVELERS' — Concluded. 



261 



Namks. 



Residence. 



Forest E. Day, 
George E. Fogg, . 
Merill E. Hervey, 
Jacob C. Hiltz, 
William Parkinson,Jr., 
Frank W. Noyes, 
Roland M. Jenks, 
John H. Fox, 
Alice R. Merriam, 
E. W. Abbe, 
C. C. Daggett, - . 
Charles F. Fife, . 
S. A. Battison, 
Charles R. Ford, . 
Walter Raymond, 
Chas. J. Trowbridge, . 
Henry Clucas, Jr.. 
Elsie M. Holbrook, . 
H. P. Gale, . 
Levi & Alden, 
A. T. Kimball, . 
C. D. Fullerton & Co., 
Benj. F. Brown, . 
Charles E. Stebbens, . 
Mrs.E.V.B.Holcomb, 
C. G. Stevens & Son, . 
Thomas W. Surrette, . 
H. H. Smith, 
William B. Clark, 
John Hunnewell, . 
S. D. Howland, . 
J. A. Remington, . 
Chas. F. H. White, . 
John H. Daniels, . 
Charles E. Kirby, 
Charles B. Dennis, 
George F. Williams, . 
Charles F. Adams, 
James E. Dawson, 
W. W. Tandy, . 
Dunn & Dunn, 
H. L. Follansbee, 
Frank H. Wright, 
W. H. Mansfield, 
Eugene B. Blake, 
John F. Spring, . 
William Freeston, 
J. L. Dennison, . 
N. S. Kimball, . 
Daniel Hooke, 
Edward F. Adams, 
Chas. A. Haseltine, 
Porter Underwood, 
W. W. Ward, . 
Judd & Parsons, . 
C. B. Wolcott, . 
Daniel W. Stratton, 
J. H. Stannard, . 
Thomas Bevington, 
Edward G. Carleton, . 
Moses H. Pease, 
E. L. Cogswell, . 
H. C. Church & Son, . 
Fred J. Clarke, . 
Boardman & Ingalls, , 
W. F. Johnson & 
Knight, . 



Boston. 

Boston. 

Boston. 

Boston. 

Boston. 

Boston. 

Boston. 

Boston. 

Boston. 

Boston. 

Boston. 

Boston. 

Boston. 

Boston. 

Boston. 

Boston. 

Boston. 

Boston. 

Boston. 

Boston. 

Boston. 

Brockton. 

Charlestown. 

Chicopee. 

Chicopee Falls. 

Clinton. 

Concord. 

Cottage City. 

Dalton. 

E. Somerville. 

Fall River. 

Fall River. 

Fall River. 

Fitchburg. 

Fitchburg. 

Fitchburg. 

Foxboro. 

Framingham. 

Gardner. 

Gardner. 

Gardner. 

Gloucester. 

Gt. Barrington. 

Gt. Barrington. 

Greenfield. 

Greenfield. 

Hartford. 

Hartford. 

Haverhill. 

Haverhill. 

Haverhill. 

Haverhill. 

Holyoke. 

Holyoke. 

Holyoke. 

Holyoke. 

Hudson. 

Lawrence. 

Lawrence. 

Lawrence. 

Lee. 

Lee. 

Lowell. 

Lowell. 

Lynn. 

Lynn. 



Names. 



Albert A. Davis, 
Eugene Brigham, 
Anson B. Fisher, 
William Barnes, 
John H. Hannan, 
Arthur C. Tapley, 
James 0. Parker, 
Thos. C. Collins, 
Henry S. Bacon, 
Francis C. Perry, 
R. E. Far well, . 
Hatch & Co. 
H. Van Cam pen, 
L. G. Hewins, Jr., 
Ivory S. Cornish, 
Piper & Sawyer, 
Noah G. Carter, . 
Alford & Bullock, . 
Smith & Skerry, 
Stone, Daniel, & Son, 
Olin L. Fuller, . 
Oliver Walker, . 
John M. Turner, 
W. S. Rodiman, 
William C. Dewey, . 
H. R. Stoughton, 
Albert Hyde, 
John M. Stevenson, . 
John T. Hall, . 
A. W. Giddings, . 
Albert G. Coffin, 
Henry A. Brown, 
Lewis W. Marden, 
Frank S. Gray, . 
Henry A. Bowen, 
Joseph H. Hathaway, 
Charles L. Hayden, . 
Russell & Stevens, 
Elisha M. Phillips, . 
Gilbert C. Manley, . 
F. A. Judd, 
Frank P. Doolittle, . 
H. G. Gilmore, . 
J. Horace Green, 
J. C. Hammond, 
Austin G- Ryder, 
Andrew S. Briggs, 
W. H. P. Gilmore. . 
Harriet L. Hartwell, . 
Daniel F. Viles, . 
William Medcalf, 
Wm. Lincoln & Co., . 
Ernest A. Fisher, 
Waldo Johnson, 
Joseph L. Barnes, 
Horace W. Bush, 
John W. Fairbanks, . 
Asa P. Rand, 
R. B. Robinson, 
Herbert Lyman, 
Aaron J. Cook, . 
John W. Gay, Jr., 
E. J. Fuller, 
Oscar F. Rawson, 
Chas. M. Ruggles, 
Charles Hartwell, 
George Otis, 



Residence. 



Lynn. 

Marlboro. 

Marlboro. 

Marlboro. 

Maiden. 

Melrose. 

Methuen. 

Middleboro. 

Milford. 

Natick. 

Natick. 

New Bedford. 

New Bedford. 

New Bedford. 

New Bedford. 

Newburyport. 

North Adams. 

North Adams. 

No. Brookfield. 

North Dana. 

Northboro. 

Northampton. 

Northampton. 

Northampton. 

Palmer. 

Palmer. 

Pittsfield. 

Pittsfield. 

Plymouth. 

Providence. 

Quincy. 

Salem. 

Salem. 

Sheffield. 

Shelburne Falls 

So. Braintree. 

So. Deerfield. 

S. Framingham 

Southbridge. 

Spencer. 

Springfield. 

Springfield. 

Springfield. 

Stoneham. 

Taunton. 

Taunton. 

Taunton. 

Turner's Falls. 

Waltham. 

Waltham. 

Ware. 

Warren. 

Wakefield. 

Webster. 

W. Brookfield. 

W. Brookfield. 

Westboro. 

Westfield. 

Westfield. 

Westfield. 

Williamstown. 

Winchendon. 

Winch endon. 

Worcester. 

Worcester. 

Worcester. 

Yarmouthport. 



262 



AGENTS AND SUB-AGENTS. [Dec. 31,'82, 



UNION MUTUAL, Portland, Me. 



Names. 


Residence. 


Names. 


Residence. 


Daniel Sharp,* 
John C. Thompson, 
James C. Benn, . 
George A. Cantine, 
George Laribee, . 
Samuel S. Baker, 


Boston. 
Boston. 
Boston. 
Boston. 
Boston. 
Dennisport. 


Charles B. Johnson, . 
M. F. Plvmpton, 
E. F. Flynn, 
J. G. Clark, 
Howard J. Clark, 
W. H. Millett, . 


Easthampton. 

Fitchburg. 

Lawrence. 

Springfield. 

Springfield. 

W. Dennis. 



UNITED STATES, New York. 



Luther G. Pitman,* 
O. W. Gardiner * 
L. B. Wilbur, 



Boston. 
Boston. 
Boston. 



George B. Perry,* 
David W. C. Scates, 



North Adams. 
Northampton. 



UNITED STATES PLATE-GLASS, Philadelphia, Pa. 



Cheppu & Brown,* 
William S. Greene,* 



Boston. 
Fall River. 



C. C. Judd & Co., 
0. H. Perry & Co , 



Holyoke. 
Lowell. 



VERMONT, Burlington, Vt. 



E. H. Briggs, 
C. W. Carter * . 
Robert H. Magwood, 
William Cumine, 
Charles E. Miles, 
Edward Burnham, 



Attleboro. 

Boston. 

Boston. 

Boston. 

Boston. 

Cambridgeport, 



H. L. Chadwick, 
A. E. Rich, 
John Slinn, 
C. C. Judd,. 
Edward L. Baudoin, 



Chelsea. 
Clinton. 
Fall River. 
Holyoke. 
New Bedford. 



WASHINGTON, New York. 



Charles W. Holden,* . 


Boston. 


Edward L. Quiglev, . 


Charlestown. 


R. H. Salter, 


Boston. 


Prescott Chainberlin, 


Chelsea. 


J. Mason Everett. 


Boston. 


C. H. Boartlman, 


Lynn. 


Edward J. Smith, 


Boston. 


M. N. Wheelwright, . 


Newton. 


F. W. Masters, . 


Boston. 


H. H. Lovett, 


Newton. 


John S. Winn, 


Boston. 


Franklin Whipple, 


Worcester. 


Thos. E. Lambert, 


Boston. 







INDEX TO COMPANIES. 



[For Index to General Topics and Tables, see Table of Contents prefacing the Com- 
missioner's Report.] 



Page 

Accident Insurance Company of North America, 136 

iEtna Life, Hartford, Conn., 30 

Berkshire Life, Pittsfield, Mass., 2 

Connecticut General Life, Hartford, Conn.. 39 

Connecticut Mutual Life, Hartford, Conn., 42 

Equitable Life, New York, N.Y 48 

Fidelity and Casualty 138 

Germania Life, New York, N.Y., 55 

Guarantee Company of North America, 141 

Hartford Steam Boiler, 143 

Home Life, Brooklyn, N.Y., 58 

Homoeopathic Mutual Life, New York, N.Y., x . . 64 

John Hancock Mutual Life, Boston, Mass., 6 

Lloyds Plate-Glass, 145 

Manhattan Life, New York, N.Y., 68 

Massachusetts Hospital Life, Boston, Mass., 10 

Massachusetts Mutual Life, Springfield, Mass .... 12 

Metropolitan Life, New York, N.Y., 73 

Metropolitan Plate-Glass, 146 

Mutual Life, New York, N.Y., 76 

Mutual Benefit Life, Newark, N.J., 83 

Mutual Boiler, 147 

National Life, Montpelier, Vt., 88 

New England Mutual Life, Boston, Mass., . 17 

New York Life, New York, N.Y., 93 

Northwestern Mutual Life, Milwaukee, Wis., -. 98 

Penn Mutual Life, Philadelphia, Penn., 101 

Provident Life and Trust, Philadelphia, Penn., 106 

Provident Savings, New York, N.Y., 110 

State Mutual Life, Worcester, Mass., 23 



264 INDEX TO COMPANIES. 

Page 

Travelers', Hartford, Conn. (Life Department), 113 

Travelers', Hartford, Conn. (Accident Department), 149 

Union Mutual Life, Augusta, Me 118 

United States Life, New York, N.Y., 123 

United States Plate-Glass, 152 

Vermont Life, Burlington, Vt., 128 

Washington Life, New York, N.Y., 131 



BENEFICIARY ASSOCIATIONS. 

Masonic. 

Boston Masonic Mutual Benefit Association, 156 

Connecticut Valley Masonic Relief Association, 157 

Eastern Massachusetts Masonic Mutual Relief Association, .... 158 

Essex County Masonic Mutual Relief Association, 159 

Lawrence Masonic Mutual Relief Association, 160 

Masonic Mutual Relief Association of Central Massachusetts, . . . .161 

Masonic Mutual Relief Association of Western Massachusetts, . . . 162 

Right Arm Masonic Mutual Relief Association of County of Barnstable, . . 163 

Southern Massachusetts Masonic Mutual Relief Association, .... 164 

Suffolk Masonic Mutual Relief Association, 165 

Union Masonic Mutual Relief Association, 166 



Odd Fellows. 

Columbian Mutual Benefit Association, 

Lynn Odd Fellows Mutual Benefit Association, .... 

New England Provident Association I. 0. 0. F., ... 

Odd Fellows Beneficial Association of the State of Massachusetts, 

Odd Fellows Mutual Benefit Association of Charlestown District, 

Odd Fellows Mutual Benefit Association of Chelsea, . 

Odd Fellows Mutual Benefit Association of Dorchester, 

Odd Fellows Mutual Benefit Association of Essex North, . 

Odd Fellows Mutual Benefit Association, Lowell, 

Odd Fellows Mutual Benefit Association, Provincetown, . 

Odd Fellows Mutual Relief Association of Cambridge, 

Odd Fellows Mutual Relief Association of Connecticut River Valley 

Odd Fellows Mutual Relief Association of Worcester County, . 



167 
168 
169 
170 
171 
172 
173 
173 
175 
175 
176 
177 
178 



Secret Orders. 

Grand Lodge of the Ancient Order of United Workmen, 180 

Golden Rule Alliance, 181 

Grand Commandery United Order of the Golden Cross 182 

Grand Lodge Knights of Honor, 183 

Grand Lodge Knights and Ladies of Honor, 184 

Imperial Council of the Order of United Friends, 184 

Independent Order of United Essenians, 186 

Knights of Pythias Endowment Bank, . 186 

National American Association, 188 

Order of the Iron Hall, 188 

State Grand Union Equitable Aid Union, 189 



INDEX TO COMPANIES. 265 

Page 

Supreme Union Equitable Aid Union, 190 

State Court of the Massachusetts Independent Order of Foresters, . . .191 

Supreme Colony of United Order of Pilgrim Fathers, 191 

Supreme Council of American Legion of Honor, 192 

Supreme Council of the Home Circle, 194 

Supreme Council of the Royal Arcanum, 195 

Supreme Council of the United Fellowship, 196 

Subordinate High Court Ancient Order of Foresters, 197 

Other Beneficiary Societies. 

Bay State Beneficiary Association, 199 

Bay State Fraternity, 200 

Boston Firemen's Mutual Relief Association, 200 

Boston Police Relief Association, 201 

Cambridge Benevolent Association, ......... 203 

Chelsea Mutual Benefit Association, 203 

Clerical Associates, 204 

Eastern Associates, 205 

Equitable Mutual Relief Society, 206 

Franklin Mutual Benefit Association, 207 

Fraternal Aid Association, 208 

Glenmere Mutual Benefit Association, 209 

Highland Mutual Aid Society, 210 

Home Mutual Aid Association, 210 

Kinsley Mutual Insurance Society, ... . + . ... 211 

Lynn Mutual Benefit Association, . 212 

Maiden Mutual Benefit Association, ......... 213 

Massachusetts Benefit Association, 214 

Massachusetts Life Association, 215 

Massachusetts Mutual Aid Society, 216 

Massachusetts Safety Fund Association, 217 

Mechanics' Mutual Aid Society, 218 

Mercantile Mutual Accident Association, 219 

Merchant's and Salesman's Benefit Association, 220 

Methodist Ministers' Relief Association, 220 

Middlesex and Worcester Farmers' and Mechanics' Association, . . . 221 

Milford Mutual Relief Association, 222 

Mutual Provident Association, 223 

Mutual Relief Association of Massachusetts, 223 

New England Commercial Travelers' Association, 224 

New England Mutual Aid Society, 225 

New England Railway Passenger Conductors' Benevolent Association, . . 227 

New England Relief Association, 228 

Peabody Mutual Benefit Association, 229 

People's Accident Association, - . . 229 

People's Benefit Association of Massachusetts, 230 

Plymouth Mutual Benefit Association, 230 

Robert G. Shaw Veteran Association, 232 

Sagamore Mutual Benefit Association, 231 

Salem Mutual Benefit Association, 232 

Somerville Police Relief Association, 233 

Union Benevolent Society of New England, 234 

Union Mutual Benefit Association, 234 

United States Benefit Association, 235 

Warren Fraternal Benefit Association, 236 

Washington Mutual Benefit Association, 237